East Lake Commons
18 East Cayuga Street, Oswego, NY 13126
46 1BR, 24 2BR
- Apartments
- 70
- Income-restricted
- 70
- Placed in service
- 2021
New York
Tax credit apartments in Oswego, NY
HUD's database lists 7 properties in Oswego built or rehabbed with low-income housing tax credits: 420 apartments, 393 of them income-restricted. Rents in those units are capped while each property's affordability agreement runs, and you qualify by income; many properties still keep waiting lists.
Equal housing opportunity. Tax credit properties must follow the Fair Housing Act, which bars discrimination because of race, color, religion, sex, disability, familial status or national origin, and they may not refuse an applicant because the applicant holds a Housing Choice (Section 8) voucher (IRC 42(h)(6)(B)(iv)). Properties HUD lists as senior housing may limit who lives there by age only as the Fair Housing Act's housing-for-older-persons exemption allows. To report housing discrimination, call HUD at 1-800-669-9777.
LIHTC Atlas does not own, manage or rent these apartments and does not take applications. Contact each property's management for availability, rents and income rules. Listings come from HUD's database and may be out of date.
Harbor View Square
68 W First Street, Building, Oswego, NY 13126
39 1BR, 24 2BR, 12 3BR
- Apartments
- 75
- Income-restricted
- 48
- Placed in service
- 2021
Lock 7 Apartments
220 East First Street, Oswego, NY 13126
HUD lists it as senior housing · 20 studio, 52 1BR, 8 2BR
- Apartments
- 80
- Income-restricted
- 80
- Placed in service
- 2022
Oswego Hamilton Homes Phase I
92 Hamilton St, Oswego, NY 13126
5 1BR, 28 2BR, 21 3BR
- Apartments
- 54
- Income-restricted
- 54
- Placed in service
- 2009
Oswego Hamilton Homes Phase II
91 Hamilton St, Oswego, NY 13126
21 1BR, 11 2BR, 17 3BR, 9 4BR
- Apartments
- 58
- Income-restricted
- 58
- Placed in service
- 2010
Oswego Hamilton Homes Phase III
96 Hamilton St, Oswego, NY 13126
11 1BR, 17 2BR, 10 3BR, 19 4BR
- Apartments
- 57
- Income-restricted
- 57
- Placed in service
- 2011
Seaway Lofts
472 W First St, Oswego, NY 13126
20 1BR, 6 2BR
- Apartments
- 26
- Income-restricted
- 26
- Placed in service
- 2013
Source: HUD's national LIHTC database (LIHTCPUB, revised May 28, 2026; projects placed in service through 2024). Properties a state agency has flagged as no longer monitored are left out; properties placed in service after 2024 are not in HUD's database yet.
How tax credit apartments work
Each income-restricted unit has a maximum rent set from the area's income limits: gross rent, including a utility allowance for tenant-paid utilities, can't go above 30% of the income limit for the unit's size. The rent doesn't change with your own income, so a household near the bottom of the range pays the same rent as one near the top. That's different from public housing or a voucher, where you pay a share of what you earn.
To qualify, your household's income has to be at or under the limit the unit is set at, usually 50% or 60% of the area median, and up to 80% in some buildings. Management checks income, and assets, when you apply. A household made up entirely of full-time students generally can't qualify, with exceptions in IRC 42(i)(3)(D) such as single parents and married students filing jointly. More on qualifying.
You can apply with a Housing Choice voucher, and the property can't turn you down because you have one.