Affordable

What Salary Do You Need to Live in Oswego?

To afford a 2-bedroom in Oswego, you need to earn at least $33,440/year based on estimated fair market rent data. The median household income here is $49,833, which means the typical resident is $16,393 above the threshold.

Census ACS Data Pop. 1,791

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$585	$1,950	$23,400	$-26,433
1 Bedroom	$694	$2,313	$27,760	$-22,073
2 Bedroom BENCHMARK	$836	$2,787	$33,440	$-16,393
3 Bedroom	$1,020	$3,400	$40,800	$-9,033
4 Bedroom	$1,254	$4,180	$50,160	+$327

Affordability Breakdown

Where the required salary line crosses above Oswego's median income — housing becomes unaffordable for the typical resident.

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$49,833

Annual household

2BR Required Salary

$33,440

Under 30% rule

Income Gap

+$16,393

Surplus

Verdict

Affordable

Ratio: 20.1%

The 30% Rule Calculator

Enter your annual salary to see what you can afford in Oswego

Your Annual Salary

Pre-filled with Oswego's median household income

Max monthly rent you can afford$1,246

Studio

$585/mo

1 BR

$694/mo

2 BR

$836/mo

3 BR

$1,020/mo

4 BR

$1,254/mo

Your salary is $0 above the median income in Oswego.

Salary Comparison by Bedroom

Bars left of the marker line are affordable for Oswego's median earner. Bars to the right require above-median income.

Affordable Above Median Median Income

What This Means If You're Moving to Oswego

Living in Oswego is well within reach for most median-income earners. With a $16,393 cushion between what residents earn and what a 2-bedroom requires, households in Oswego typically have meaningful financial flexibility after housing costs.

For remote workers or relocators evaluating Oswego, a studio at $585/month offers an even more aggressive savings rate. Even a 3-bedroom at $1,020/month remains accessible for dual-income households earning above $40,800.

To live comfortably with room for non-housing expenses, a break-even salary of approximately $50,160 would position you well — though many residents in Oswego manage on less given the favorable rent-to-income dynamics.

Economic Outlook

Local Job Market & Housing Dynamics

Affording rent isn't just about housing prices—it's heavily dependent on local employment opportunities and the strength of the job market in Oswego, Kansas.

With a total population of 1,791, the city supports an active civilian workforce of 692 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $33,440 annual salary. The ratio of employed residents to the total population provides insight into the local economic health and competition for both jobs and housing.

Employed Workforce

692

Active civilian employees in Oswego

Frequently Asked Questions About Renting in Oswego

What salary do I need to live in Oswego, Kansas?

To afford a 2-bedroom in Oswego under the 30% rule, you need an annual salary of at least $33,440. The median household income in Oswego is $49,833.

Can I afford a 2-bedroom in Oswego on $49,833?

The affordability verdict for Oswego is "Affordable". The rent-to-income ratio is 20.1%, meaning median earners have a $16,393 surplus.

What is the average rent in Oswego compared to median income?

The median gross rent in Oswego is $694/month. With a median household income of $49,833, residents spend approximately 20.1% of their income on rent.

What salary do I need for a studio in Oswego?

A studio in Oswego rents for approximately $585/month. Under the 30% rule, you need an annual salary of $23,400 to afford this.

Is Oswego considered an affordable place to live?

Based on the surplus of $16,393 and an affordability verdict of "Affordable", Oswego is considered a affordable rental market when comparing the required 2-bedroom salary of $33,440 to the local median household income.

How Oswego Compares

Other cities in Kansas with salary requirements