Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$209,229+7.8% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 10% have cut their price
Income needed to buy, per year$45,356About 0.6× the local median income ($72,102): affordable for a typical household
Days on market50 daysFaster than a year ago: sellers have the edge
Next 12 months+4.5%Zillow expects prices to rise strongly
The typical home in Tioga County, NY is worth $209,229, up 7.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $182,583, so the area is 14.6% overvalued. It is a balanced market, leaning toward sellers: homes take about 50 days to sell, listings are up 13% from a year ago, 10% of listings have had a price cut. Zillow expects prices to rise about 4.5% over the next year. A household needs about $45,356 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,102. In the latest IRS figures, 107 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$209,229
Change in 1 year
+7.8%
Overvalued %
+14.6%
Show 7 more
Fair home value
$182,583
Change in 5 years
+30.5%
Zillow forecast, next 12 months
+4.5%
Home value to income
2.9×
Monthly mortgage payment (20% down)
$1,134
Income needed to afford it
$45,356
Property tax rate
2.33%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,219
Market activity
Listings vs a year ago
+13.0%
Days on market
50
Listings with a price cut
10.4%
Show 3 more
Homes for sale
104
Pending sales per 100 listings
93
Asking price per sq ft
$123
People and jobs
Median household income
$72,102
Population change (1 year)
−0.2%
Unemployment rate
5.5%
Show 4 more
Population
47,453
Income adjusted for cost of living
$77,612
Net moves in (IRS)
+107
Cost of living (US = 100)
92.9
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
59.9
Flood risk score
78.9
Show 3 more
Wildfire risk score
23.9
Walkability (1 to 20)
5.8
Road, rail and air noise
54 dB
Questions people ask
Is Tioga County, NY overvalued?
Home prices in Tioga County, NY are well above what local incomes have historically supported: fair value is about $182,583, so the area is 14.6% overvalued.
Is Tioga County, NY a buyer's or seller's market?
Tioga County, NY is a balanced market, leaning toward sellers: homes take about 50 days to sell, listings are up 13% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Tioga County, NY?
Home values in Tioga County, NY are up 7.8% over the last year. Zillow's forecast for the next 12 months is +4.5%.
How much do you need to earn to buy a home in Tioga County, NY?
A household needs about $45,356 a year to afford the typical home in Tioga County, NY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,102.