Photo: Jauerback · CC BY-SA 3.0460 homes sold in Oswego in the last year, at a typical $391K
About one sale in 3 is a condo. Below: what each kind of home sells for, what your budget buys, the best months to buy, how hard you’ll have to bid, and a shortcut to every site where Oswego homes are listed.
Every place Oswego homes are listed, in one stop
We don’t copy listings: the agents’ sites have the photos and the latest price changes. Set what you want once and we open each site already filtered to Oswego.
For sale
Rent
New, land & open houses
Links open the listing sites; TownRatings isn’t paid for them and doesn’t rank one above another. Rentals and government-owned homes come from sources outside the MLS.
7% of Oswego’s sales are condos, at $171K less than a house
286 houses and 31 condos sold in the year to May 2026. Condos sell faster and draw more bidding wars.
typical sale · 286 sold in 12 months
- Per square foot
- $194IL $180
- Days to sell
- 55
- Sold over asking
- 40%
- Listings with a price cut
- 15%
typical sale · 31 sold in 12 months
- Per square foot
- $199IL $251
- Days to sell
- 50
- Sold over asking
- 48%
- Listings with a price cut
- 30%
Multi-family (2–4 units): 1 sold, typical $562K
Townhouses: 142 sold, typical $329K
Too few sales in 12 months for reliable figures.
Fewer homes sell than before 2022, at 1.7 times the 2016 price
460 sales in the last year, against 837 in 2021 and a low of 415 in 2024. The typical sale went from $229K in 2016 to $391K.
Source: Redfin Data Center, MLS sales. Typical price and $/sq ft are the monthly medians, weighted by sales.
What $400K buys in Oswego
Check a listing against what Oswego homes sold for
Against the town’s median price per square foot over the last 12 months. A rough check: condition, lot and location within town move a price more than this can see.
Bidding wars in Oswego are more common than before the pandemic, but 41% fewer homes come up for sale
We read every month of Oswego’s home sales since 2012 so you don’t have to. Each figure covers 12 months, because a single month in a town is too few sales to mean much. Latest: the year to May 2026, 460 sales.
If you’re buying in Oswego
- Shop in March. It brings about 84 new listings a month, close to the busiest month, with fewer bidding wars (30% over asking).
- Less room to haggle. Only 18% of listings cut their price, against 23% before the pandemic.
- Bid near asking. Buyers paid 100% of the list price on average; 38% paid over.
- Move fast on good ones. 46% of homes are under contract within two weeks.
Spring brings both the most homes and the most bidding wars
March has the most new listings (about 84 a month), but May is the most competitive: 37% of May sales close over asking. December has the least competition (23%) but only about 26 new listings.
Averages for each calendar month, 2015 on.
Calmer than the 2021 frenzy, and about like Illinois as a whole
| Oswego now | 2017–19 | 2021 peak | IL now | |
|---|---|---|---|---|
| Sold over askingShare of sales that closed above the list price | 38% | 21% | 54% | 37% |
| Gone within two weeksShare of homes under contract within 14 days | 46% | 42% | 64% | 46% |
| Listings with a price cutShare of homes for sale that cut their price | 18% | 23% | 15% | 19% |
| Price paid vs. askingAverage sale price ÷ list price | 100% | 98.5% | 101.3% | 99.2% |
| Days to sellMedian days from listing to contract | 54 | 63 | 8 | 49 |
114 homes for sale on a typical day
That’s 1.7 times the 2021 low (68), 41% fewer than in 2017–19 and well under 2019’s 235.
1 in 6 listings has cut its price
18% in the last year, against 23% in 2017–19 and 19% across Illinois.
Since 2019, houses are up 63%, condos 60%
A house typically sold for $451K in the last year (286 sales), a condo for $279K (31).
Median sale price, weighted by sales each month. Years with fewer than 4 sales of a type are left out.
Oswego ranks 162nd of 324 busy Illinois markets for bidding wars
Share of sales over asking in the last year, among towns with 60 or more sales. Oswego is in the middle of the pack.
Source: Redfin Data Center, city market tracker, January 2012 to May 2026 (MLS sales, not seasonally adjusted). Ratios are weighted by homes sold; price cuts by homes for sale.
Owning the typical Oswego home costs about $2,828 a month
Price: Oswego’s typical sale, last 12 months. Property tax at Oswego’s 2.4% (median bill ÷ median value, Census ACS); insurance at 0.35% of price a year. Before PMI, HOA dues, upkeep and the tax deduction. Whether Oswego is affordable on local pay is on Cost of living.
Six things worth knowing
New listings in March
The month with the most choice. December has the fewest, about 26.
Best time to buyProperty tax, a year
Of a home’s value: the median bill over the median home value. On a $391K home, about $9,470 a year.
Taxes vs. neighborsSchools
The schools grade for Oswego, from test results, graduation and how much students grow.
Schools in OswegoCheck the flood map
Flood insurance isn’t in a standard policy, and lenders require it in FEMA flood zones. Check the address before you make an offer.
Natural hazardsLook up any property
Assessed value, lot size and every past sale of a home you’re eyeing are public, at the town or county assessor and the registry of deeds.
Montgomery, Yorkville and Prestbury sell for less a square foot
The busier markets within 25 miles of Oswego, by what sold. Prices, taxes and how far a paycheck goes next door are on Cost of living.
| Sold | Typical sale | $/sq ft | Over asking | Days to sell | |
|---|---|---|---|---|---|
| Aurora | 1,683 | $338K | $213 | 41% | 49 |
| Plainfield | 718 | $499K | $208 | 26% | 71 |
| Oswego | 460 | $391K | $196 | 38% | 54 |
| Yorkville | 432 | $373K | $186 | 37% | 61 |
| Montgomery | 209 | $374K | $190 | 40% | 46 |
| Boulder Hill | 79 | $296K | $220 | 49% | 55 |
| Prestbury | 33 | $445K | $176 | 21% | 57 |
Redfin Data Center, June 2025 to May 2026. Towns with fewer than 20 sales are left out, and Redfin doesn’t report every town separately.
Post your home to Oswego, free
Selling it yourself, renting out an apartment or looking for a roommate? Post it to Oswego. People who follow the town see it, and so do people comparing Oswego with their own town. No commission, no listing fee.
Questions about buying a home in Oswego
What do homes sell for in Oswego, IL?
460 homes sold in the year to May 2026 at a typical $391K, $196 a square foot. Houses sold for about $451K, condos for about $279K.
Is Oswego a buyer’s or seller’s market?
A seller’s market: 157 homes were for sale in May 2026 and 52 sold, about 3 months of supply. Buyers paid 100% of asking on average, and 18% of listings cut their price.
When is the best time to buy in Oswego?
March brings the most new listings. The sales history shows which months have fewer bidding wars.
How much are property taxes in Oswego?
About 2.4% of a home’s value a year. On a $391K home that’s near $9,470.
Where can I see homes for sale in Oswego?
Zillow, Redfin, Realtor.com and Homes.com all carry Oswego’s MLS listings; the search links above open each one filtered to Oswego.
Sales, prices, days on market and listings: Redfin Data Center (MLS, monthly, not seasonally adjusted). Property tax rate: Census American Community Survey. Two-bedroom rent: HUD Fair Market Rent. Typical home value: Zillow Home Value Index. Schools grade: TownRatings (how grades work).