What stands out worked out from the figures below

Clover has the most homeowners (92.3%).

Oswego has the most kids (21.9% under 18).

What matters to you?

Pick a few. We’ll pull those rows to the top and mark which town comes out ahead on each. There’s no overall score: what matters is up to you.

Raising kidsAffordabilityOwning a homeShort commuteWorking from homeYounger crowdSettled, older crowdGrowing town

Measure	Clover	Oswego
People
Population	398Lowest	17,033Highest
Growth since 20102010 → 2020 census	—	-6.7% U.S.: +7.4%
Median age	56.5±1.9Highest 45% above U.S.	35.7±1.6Lowest 8% below U.S.
Kids under 18	10.3%±3.5Lowest U.S.: 22%	21.9%±2.6Highest U.S.: 22%
Age 65+	29.9%±3.4Highest U.S.: 17.2%	18.3%±2.1Lowest U.S.: 17.2%
Bachelor’s degree+adults 25+	19.6%Lowest U.S.: 35.7%	26.1%Highest U.S.: 35.7%
Enrolled in collegeshare of residents	1.3%±1.2Lowest U.S.: 6.4%	10.1%±2Highest U.S.: 6.4%
Cost of living
Household incomemedian	$76,094±$7kHighest 6% below U.S.	$53,172±$4kLowest 34% below U.S.
Home valuemedian, owner-occupied	$170,400±$27kHighest 49% below U.S.	$120,600±$7kLowest 64% below U.S.
Rentmedian gross, monthly	$850±$62Lowest 40% below U.S.	$1,109±$72Highest 22% below U.S.
Property taxmedian, yearly	$1,603Lowest 49% below U.S.	$3,362Highest 8% above U.S.
Renters paying 30%+of income on rent	83.3%±100Highest U.S.: 51.1%	60.4%±7.4Lowest U.S.: 51.1%
	Clover and Oswego are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line	3.5%Lowest U.S.: 12.5%	20.6%Highest U.S.: 12.5%
Housing
Homeownersof occupied homes	92.3%Highest U.S.: 65.2%	50.2%Lowest U.S.: 65.2%
Typical home builtmedian year	1970Highest 10 yrs older than U.S.	1938Lowest 42 yrs older than U.S.
Getting to work
Average commuteone way	25 minHighest 4% below U.S.	19 minLowest 30% below U.S.
Work from home	10.6%±7.9Highest U.S.: 15.1%	8.6%±2.9Lowest U.S.: 15.1%
	Clover and Oswego are within the Census margin of error here, so we can’t say which is really higher.
Schools
Public school scoresrank in state, math + reading	—	#285 of 484 in NY
School district	—	OSWEGO CITY SCHOOL DISTRICT
High school in town	—	OSWEGO HIGH SCHOOL
Students per teacherat that high school	—	12.5
On TownTapestry
Old photos in History	None yet	None yet

U.S. average · Sources: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024; 2010 & 2020 decennial census; NCES Common Core of Data. “±” is the Census margin of error. Property tax is top-coded by the Census at $10,000+. School rank compares math and reading proficiency against the state average.