In Bath, a typical home is worth $101,700 and typical rent is $735 a month. Compared with all of Steuben County, typical household income is 28% lower, the typical home value is 26% lower, and the share of households that own their home is 12 points lower.
Bath is in Steuben 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 Steuben County. See the county
What this place has that others do not, from public data, most unusual first.
1
Bath has the 5th lowest typical rent of the 333 cities in New York with more than 5,000 people ($735).
2
Bath has the 10th lowest typical household income of the 350 cities in New York with more than 5,000 people ($47,150).
3
Bath has the 11th lowest typical home value of the 348 cities in New York with more than 5,000 people ($101,700).
4
61% of households in Bath own their home, against 73% in Steuben County.
5
18% of households in Bath have no internet at home (10% in Steuben County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bath
What homes there are in Bath, 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
Bath
Steuben County
New York
United States
Kind of home: Bath and its comparisons
Measure
Bath
Steuben County
New York
United States
Detached house
50%
68%
41%
61%
Attached house
Unreliable estimate
1%
6%
6%
Building of 2 to 4
19%
10%
17%
8%
Apartments (5 or more)
Unreliable estimate
9%
35%
19%
Mobile home
10%
13%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Bath, but it weighs less than in Steuben County: 50% against 68%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bath
Steuben County
New York
United States
Year built: Bath and its comparisons
Measure
Bath
Steuben County
New York
United States
Before 1960
53%
47%
52%
26%
1960–1979
25%
20%
22%
24%
1980–1999
14%
21%
14%
25%
2000–2009
Unreliable estimate
7%
6%
14%
2010 or later
Unreliable estimate
5%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K49%
$100K–$200K41%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bath and its comparisons
Measure
Bath
Under $100K
49%
$100K–$200K
41%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bath and its comparisons
Measure
Bath
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,298 a month
Steuben County: $1,448 a month
Without a mortgage
$564 a month
Steuben County: $583 a month
Owners with a mortgage
55%
Steuben County: 49%
Owning costs less in Bath: with a mortgage, the typical cost is $1,298 a month; in Steuben County, $1,448. Without one, $564.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bath+19%
Steuben County+39%
New York+35%
United States+53%
Typical rent
Bath+24%
Steuben County+29%
New York+27%
United States+33%
Typical household income
Bath+38%
Steuben County+23%
New York+26%
United States+29%
Change since 2015–2019: Bath and its comparisons
Measure
Bath
Steuben County
New York
United States
Typical home value
+19%
+39%
+35%
+53%
Typical rent
+24%
+29%
+27%
+33%
Typical household income
+38%
+23%
+26%
+29%
The typical home value in Bath rose 19% since 2015–2019, less than in Steuben County (39%).
The typical rent in Bath rose 24% over the same time; in Steuben County, it rose 29%.
Here income gained ground: typical income rose 38%, against +19% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bath and its comparisons
Measure
Bath
Steuben County
New York
United States
Rental vacancy
Unreliable estimate
6.2%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.7%
5.3%
3.4%
People per household
1.82
2.32
2.49
2.53
Drive alone
73%
76%
49%
69%
Carpool
Unreliable estimate
9%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
5%
6%
3%
Work from home
13%
9%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.82 on average, against 2.32 in Steuben County.
In Bath, 13% of workers work from home, more than in Steuben County (9%).
Do the math
What would you pay each month for a home in Bath?
A typical home is within reach of the typical income
We start with a typical home in Bath, worth $101,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Bath, which is $47,150 a year.
The calculator's FHA and conventional loan limits are those of all of Steuben 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 Bath. 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 $3,560 (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
$1,034
at 7.18% · 30 years
Loan amount
$99,857
Total interest
$143,671
Paid off in
November 2056
Includes $1,717 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,100 a month
Your payment · 26%
Tight
$1,100 to $1,415 a month
Hard
more than $1,415 a month
Compared with the typical household income in Bath ($47,150 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$676
Property tax
$270
Home insurance
$42
FHA mortgage insurance (MIP)
$45
You need at least $3,560 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 $1,034; principal and interest $676.
The city and its county
Bath and Steuben County
Bath is in Steuben 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).
Bath
Map of Steuben County, New York, with Bath marked. Around it, the neighboring counties.
Bath
Steuben County
Other cities with a page
Bath's own numbers
Typical home value
$101,700
Typical monthly rent
$735
Typical yearly household income
$47,150
Households that own their home
61%
Effective property tax rate
3.19%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Steuben County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,058
Price change over 5 years (FHFA)
+38%
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 Steuben County.
A typical home in Bath is worth $101,700: 26% below the county and 76% below New York. With the typical household income in Bath ($47,150 a year), a typical home costs 2.2 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.
Bath2.2 years
Steuben2.1 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Steuben County
According to FHFA’s house price index, home prices in Steuben County rose 63% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Steuben County.
Yearly change in FHFA’s price index in Steuben County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: −0.3% −0.3% 2017
2018: +2.6% +2.6% 2018
2019: +4.9% +4.9% 2019
2020: +4.6% +4.6% 2020
2021: +7.2% +7.2% 2021
2022: +12.2% +12.2% 2022
2023: +6.5% +6.5% 2023
2024: +6.7% +6.7% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Steuben County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+1.1%
+6.0%
+2.9%
5 years (2020–2025)
+38%
+52%
+47%
10 years (2015–2025)
+63%
+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
Bath next to Steuben 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
Bath$101,700
Steuben$137,900
New York$423,800
United States$332,700
Typical monthly rent
Bath$735
Steuben$894
New York$1,621
United States$1,413
Typical yearly household income
Bath$47,150
Steuben$65,887
New York$85,974
United States$80,734
See the full table
Bath next to Steuben County and New York
Measure
Bath
Steuben County
New York
U.S.
Typical home value
$101,700 ▼26% below the county
$137,900
$423,800
$332,700
Typical monthly rent
$735 ▼18% below the county
$894
$1,621
$1,413
Typical yearly household income
$47,150 ▼28% below the county
$65,887
$85,974
$80,734
Households that own their home
61% ▼12 points below the county
73%
54%
65%
Typical yearly property tax
$3,249 ▼4% below the county
$3,386
$6,582
$3,119
Effective property tax rate
3.19% ▲0.73 points above the county
2.46%
1.55%
0.94%
Renters with high rent for their income
44% ▲1 points above the county
44%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Steuben 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 Bath
For a typical $101,700 home in Bath, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bath's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,034a month
Least cash to close
Down payment
$3,560
Cash to close
$6,611
Rate
7.18%
Mortgage insurance
FHA MIP · $45
Conventional, 5% down$1,016a month
Down payment
$5,085
Cash to close
$8,136
Rate
7.18%
Mortgage insurance
PMI · $48
Conventional, 20% down, no PMI$864a month
Down payment
$20,340
Cash to close
$23,391
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$958a month
Down payment
$15,255
Cash to close
$18,306
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bath
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,034
$3,560
$99,858
7.18%
FHA MIP · $45
$6,611
580
Conventional, 5% down
$1,016
$5,085
$96,615
7.18%
PMI · $48
$8,136
620*
Conventional, 20% down, no PMI
$864
$20,340
$81,360
7.18%
None
$23,391
620*
ITIN, 15% down (example)
$958
$15,255
$86,445
8.18%
None
$18,306
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 Bath is $735 a month: 18% below the county. In Bath, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Steuben County, by unit size. To pay the 2-bedroom one ($1,058 a month) without spending more than 30% of your income, you would need to earn $20.35 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 Steuben County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$831
$15.98
$33,240
1 bedroom
$836
$16.08
$33,440
2 bedrooms
$1,058
$20.35
$42,320
3 bedrooms
$1,399
$26.90
$55,960
4 bedrooms
$1,768
$34.00
$70,720
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 Bath
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bath is in ZIP code 14810.
For 2 bedrooms it is $1,010: $48 less than the fair market rent for Steuben County ($1,058).
Fair market rent by ZIP code and size in Bath, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14810
$800
$800
$1,010
$1,350
$1,700
ZIP code2 bd3 bd
14810 $1,010$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bath 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 Steuben County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Bath or Steuben County. The ones below are statewide in New York: they work in Bath 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 Bath or Steuben 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 Bath and all of Steuben 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 Bath?
The typical home value in Bath is $101,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Steuben County it is $137,900.
How much does it cost to rent in Bath?
Typical rent in Bath is $735 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Steuben County is $1,058.
What is the FHA loan limit in Bath?
Bath uses the FHA limit for all of Steuben 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 Bath?
The typical homeowner in Bath pays $3,249 a year, according to the U.S. Census Bureau. That is 3.19% of the home’s value; in Steuben County, the rate is 2.46%.
Where can I find free help to buy or rent in Bath?
There is 1 HUD-approved counseling agency with an office in Steuben County. They can help you get ready to buy, with your credit, or with rent.
