In Fulton, a typical home is worth $101,000 and typical rent is $887 a month. Compared with all of Oswego County, the typical home value is 33% lower, typical household income is 25% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $132,820 to $185,063.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fulton is in Oswego County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Oswego County. See the county
What this place has that others do not, from public data, most unusual first.
1
Fulton has the 10th lowest typical home value of the 348 cities in New York with more than 5,000 people ($101,000).
2
54% of households in Fulton own their home, against 73% in Oswego County.
3
The typical household income in Fulton is $52,046,25% less than in Oswego County as a whole ($69,183).
4
Fulton has the 23rd lowest typical rent of the 333 cities in New York with more than 5,000 people ($887).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fulton
What homes there are in Fulton, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fulton
Oswego County
New York
United States
Kind of home: Fulton and its comparisons
Measure
Fulton
Oswego County
New York
United States
Detached house
52%
68%
41%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
29%
10%
17%
8%
Apartments (5 or more)
16%
7%
35%
19%
Mobile home
Unreliable estimate
13%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Fulton, but it weighs less than in Oswego County: 52% against 68%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fulton
Oswego County
New York
United States
Year built: Fulton and its comparisons
Measure
Fulton
Oswego County
New York
United States
Before 1960
64%
40%
52%
26%
1960–1979
21%
20%
22%
24%
1980–1999
13%
26%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
Unreliable estimate
6%
6%
11%
The typical home in Fulton was built in 1951, 20 years before the typical one in Oswego County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K50%
$100K–$200K40%
$200K–$300K8%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fulton and its comparisons
Measure
Fulton
Under $100K
50%
$100K–$200K
40%
$200K–$300K
8%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50014%
$500–$99952%
$1,000–$1,49929%
HUD fair market rent, 2 bedrooms: $1,493
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fulton and its comparisons
Measure
Fulton
Under $500
14%
$500–$999
52%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 95% of rented homes in Fulton cost less than HUD's 2-bedroom fair market rent for Oswego County ($1,493).
With a mortgage
$1,274 a month
Oswego County: $1,498 a month
Without a mortgage
$597 a month
Oswego County: $654 a month
Owners with a mortgage
66%
Oswego County: 56%
Owning costs less in Fulton: with a mortgage, the typical cost is $1,274 a month; in Oswego County, $1,498. Without one, $597.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fulton+25%
Oswego County+45%
New York+35%
United States+53%
Typical rent
Fulton+24%
Oswego County+25%
New York+27%
United States+33%
Typical household income
FultonNo clear change
Oswego County+24%
New York+26%
United States+29%
Change since 2015–2019: Fulton and its comparisons
Measure
Fulton
Oswego County
New York
United States
Typical home value
+25%
+45%
+35%
+53%
Typical rent
+24%
+25%
+27%
+33%
Typical household income
No clear change
+24%
+26%
+29%
The typical home value in Fulton rose 25% since 2015–2019, less than in Oswego County (45%).
Rents in Fulton rose at about the same pace as in Oswego County: 24% since 2015–2019, against 25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fulton and its comparisons
Measure
Fulton
Oswego County
New York
United States
Rental vacancy
Unreliable estimate
4.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.7%
5.3%
3.4%
People per household
2.35
2.39
2.49
2.53
Drive alone
79%
78%
49%
69%
Carpool
8%
8%
6%
9%
Public transit
Unreliable estimate
1%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
Unreliable estimate
8%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Fulton has 2.35 people on average, about the same as in Oswego County (2.39).
In Fulton, 79% of workers drive alone to work; in Oswego County, 78%.
Do the math
What would you pay each month for a home in Fulton?
A typical home is within reach of the typical income
We start with a typical home in Fulton, worth $101,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Fulton, which is $52,046 a year.
The calculator's FHA and conventional loan limits are those of all of Oswego County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fulton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $3,535 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,018
at 7.18% · 30 years
Loan amount
$99,171
Total interest
$142,683
Paid off in
November 2056
Includes $1,706 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,214 a month
Your payment · 23%
Tight
$1,214 to $1,561 a month
Hard
more than $1,561 a month
Compared with the typical household income in Fulton ($52,046 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$672
Property tax
$259
Home insurance
$42
FHA mortgage insurance (MIP)
$45
You need at least $3,535 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,018; principal and interest $672.
The city and its county
Fulton and Oswego County
Fulton is in Oswego County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Fulton
Map of Oswego County, New York, with Fulton marked. Around it, the neighboring counties.
Fulton
Oswego County
Other cities with a page
Fulton's own numbers
Typical home value
$101,000
Typical monthly rent
$887
Typical yearly household income
$52,046
Households that own their home
54%
Effective property tax rate
3.08%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Oswego County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,493
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
2.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Oswego County.
A typical home in Fulton is worth $101,000: 33% below the county and 76% below New York. With the typical household income in Fulton ($52,046 a year), a typical home costs 1.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Fulton1.9 years
Oswego2.2 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Oswego County
According to FHFA’s house price index, home prices in Oswego County rose 95% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Oswego County.
Yearly change in FHFA’s price index in Oswego County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: −0.3% −0.3% 2017
2018: +6.3% +6.3% 2018
2019: +1.4% +1.4% 2019
2020: +5.9% +5.9% 2020
2021: +11.4% +11.4% 2021
2022: +14.4% +14.4% 2022
2023: +12.2% +12.2% 2023
2024: +9.0% +9.0% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Oswego County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+5.5%
+6.0%
+2.9%
5 years (2020–2025)
+64%
+52%
+47%
10 years (2015–2025)
+95%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Fulton next to Oswego County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Fulton$101,000
Oswego$151,700
New York$423,800
United States$332,700
Typical monthly rent
Fulton$887
Oswego$967
New York$1,621
United States$1,413
Typical yearly household income
Fulton$52,046
Oswego$69,183
New York$85,974
United States$80,734
See the full table
Fulton next to Oswego County and New York
Measure
Fulton
Oswego County
New York
U.S.
Typical home value
$101,000 ▼33% below the county
$151,700
$423,800
$332,700
Typical monthly rent
$887 ▼8% below the county
$967
$1,621
$1,413
Typical yearly household income
$52,046 ▼25% below the county
$69,183
$85,974
$80,734
Households that own their home
54% ▼19 points below the county
73%
54%
65%
Typical yearly property tax
$3,106 ▼15% below the county
$3,646
$6,582
$3,119
Effective property tax rate
3.08% ▲0.68 points above the county
2.4%
1.55%
0.94%
Renters with high rent for their income
52% ▲1 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Oswego County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Fulton
For a typical $101,000 home in Fulton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fulton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,018a month
Least cash to close
Down payment
$3,535
Cash to close
$6,565
Rate
7.18%
Mortgage insurance
FHA MIP · $45
Conventional, 5% down$999a month
Down payment
$5,050
Cash to close
$8,080
Rate
7.18%
Mortgage insurance
PMI · $48
Conventional, 20% down, no PMI$849a month
Down payment
$20,200
Cash to close
$23,230
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$942a month
Down payment
$15,150
Cash to close
$18,180
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fulton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,018
$3,535
$99,171
7.18%
FHA MIP · $45
$6,565
580
Conventional, 5% down
$999
$5,050
$95,950
7.18%
PMI · $48
$8,080
620*
Conventional, 20% down, no PMI
$849
$20,200
$80,800
7.18%
None
$23,230
620*
ITIN, 15% down (example)
$942
$15,150
$85,850
8.18%
None
$18,180
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Fulton is $887 a month: 8% below the county. In Fulton, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Oswego County, by unit size. To pay the 2-bedroom one ($1,493 a month) without spending more than 30% of your income, you would need to earn $28.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Oswego County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,050
$20.19
$42,000
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,493
$28.71
$59,720
3 bedrooms
$1,808
$34.77
$72,320
4 bedrooms
$1,962
$37.73
$78,480
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Fulton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fulton is in ZIP code 13069.
For 2 bedrooms it is $1,280: $213 less than the fair market rent for Oswego County ($1,493).
Fair market rent by ZIP code and size in Fulton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
13069
$900
$1,030
$1,280
$1,550
$1,680
ZIP code2 bd3 bd
13069 $1,280$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fulton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Oswego County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Fulton or Oswego County. The ones below are statewide in New York: they work in Fulton the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Fulton or Oswego County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Fulton and all of Oswego County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Fulton?
The typical home value in Fulton is $101,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oswego County it is $151,700.
How much does it cost to rent in Fulton?
Typical rent in Fulton is $887 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oswego County is $1,493.
What is the FHA loan limit in Fulton?
Fulton uses the FHA limit for all of Oswego County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Fulton?
The typical homeowner in Fulton pays $3,106 a year, according to the U.S. Census Bureau. That is 3.08% of the home’s value; in Oswego County, the rate is 2.4%.
Where can I find free help to buy or rent in Fulton?
There is 1 HUD-approved counseling agency with an office in Oswego County. They can help you get ready to buy, with your credit, or with rent.
