CCertihomes
160 Swift Street, Oswego, NY 13126

$349,900

6 beds 3 baths 2,750 sqft Built 196531 days on marketActive

About this home

Perfect Oswego Investment or Owner-Occupied Gem! Discover a rare opportunity just steps from SUNY Oswego—where home and income potential meet. The main house offers 5 bedrooms, 2 full bathrooms, and 2 family rooms, and has been a successful student rental with each bedroom leased individually. It’s equally well-suited as a spacious family home, offering versatility and strong income-producing history. Perched above the garage is an adorable 1-bedroom apartment featuring in-unit laundry and a private deck. This cozy space has been used for short-term stays by traveling nurses and professors, and has been a high-performing Airbnb with excellent reviews and consistent bookings. Both units are full of character—thoughtfully designed, warm, and inviting. Whether you’re living in one or renting both, they truly feel like home. The property has been meticulously maintained and updated with new appliances, fresh carpeting, updated bathrooms, and more. It’s completely move-in ready and reflects quality throughout. The possibilities here are endless: live in one home and rent the other, lease both for dual income, or customize your approach depending on your needs. With the option for owner-occupied financing, you can take advantage of lower down payments and great rates. With SUNY Oswego literally in your backyard, this unique property offers unbeatable location, comfort, and potential. A true Oswego gem that blends charm, stability, and opportunity—all in one!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$4,131/mo

Real estate (PITI + HOA + PMI)
$3,244
Principal + interest$2,245
Property tax + insurance$868
PMI / 2nd mortgage$131
Utilities
$1,826
Heating + cooling$750
Internet + TV + phone$160
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$160
$4,131/mo TLC
Budget$5,000/mo
Remaining after TLC$869/mo
Purchase price
$349,900
Down payment
$17,495 (5%)
Loan amount
$332,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1965
Lot size
0.38 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$5,293
MLS #
S1622769
County
Oswego

At a glance

Basement
Garage (2)

Home features

Appliances
DryerElectricWaterHeaterRefrigeratorWasher
Interior
EatInKitchenSlidingGlassDoors
Exterior
BlacktopDrivewayDeck
Parking
DetachedGarage
Flooring
Carpet, Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13126

MetricThis ZIPCountyUSA
Population27,18619,351,094299,088,112
Population Change Since1990-4.00%8.00%20.00%
Population Density273395
Male12,9889,381,926147,432,321
Female14,1999,969,168151,655,844
Never Married7,2134,946,39163,775,926
Married9,9187,166,701123,120,365
Separated1,9721,159,67312,639,686
Widowed1,7451,110,24515,467,586
Divorced1,8741,210,44823,075,029
Number Of House Hold9,7537,102,016111,826,380
Average House Hold Size2.582.642.60
Medial Age34.2536.5335.46
Median House Hold Income$34,693$49,847$48,276
Average House Hold Income$46,097$70,032$63,629
P C I$17,934$26,569$24,529
M D I$30,665$42,210$41,133
A T H E$41,368$54,185$50,898
S T R8.00%4.00%
W C J78.88%81.55%77.74%
(Zip) Code
13126

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

Open in Google Maps →

Listing information last refreshed 7/17/2025. Provided courtesy of Home With Us Realty Group, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.