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City · 7,449 residents · Broome County, New York

Binghamton University , New York

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Binghamton University is in Broome 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 Broome County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Binghamton University

What homes there are in Binghamton University, what they cost, how that changed and how people live, from Census figures (2020–2024).

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBinghamton UniversityBroome CountyNew YorkUnited States
Drive alone 30%73%49%69%
Carpool Unreliable estimate9%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike 29%5%6%3%
Work from home 33%10%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people walk or bike to work in Binghamton University: 29%, against 5% in Broome County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Binghamton University?

The Census Bureau publishes no typical home value or typical household income for Binghamton University, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Binghamton University, so the calculator starts with the one for Broome County: $154,900. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Broome County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of Broome County.

Your numbers

Local data
$

Starts at the typical home value in Binghamton University. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,422 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,489

at 7.18% · 30 years

Loan amount
$152,094
Total interest
$218,827
Paid off in
November 2056

Includes $2,616 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$1,489
Principal & interest$1,030
Property tax$325
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,422 for the down payment, plus closing costs.

Next step

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.

The city and its county

Binghamton University and Broome County

Binghamton University is in Broome 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).

Binghamton University's own numbers

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Broome County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,219
Price change over 5 years (FHFA)
+55%

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 Broome County.

Everything about Broome County

Buying

Buying a home in Binghamton University

The Census Bureau publishes no typical home value for Binghamton University. Below are the numbers for Broome County.

How prices have changed in Broome County

According to FHFA’s house price index, home prices in Broome County rose 79% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Broome County.

Period County New York U.S.
Last year (2025) +7.8% +6.0% +2.9%
5 years (2020–2025) +55% +52% +47%
10 years (2015–2025) +79% +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

Binghamton University next to Broome County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Data not available for this place

Four ways to pay for a typical home in Binghamton University

The Census Bureau publishes no typical home value for Binghamton University, so we don't build this table. You can enter the price you're looking for in the calculator above.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Binghamton University and for Broome County.

Property tax

Data not available for this place

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Broome County

FEMA does not publish these numbers by city: they are for all of Broome County.

FEMA’s maps count no homes in the high-risk zone in Broome County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Binghamton University

The Census Bureau publishes no typical rent for Binghamton University. Below are the fair market rents for Broome County.

HUD publishes a fair market rent for all of Broome County, by unit size. To pay the 2-bedroom one ($1,219 a month) without spending more than 30% of your income, you would need to earn $23.44 an hour working full time.

HUD fair market rent for all of Broome County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $849 $16.33 $33,960
1 bedroom $954 $18.35 $38,160
2 bedrooms $1,219 $23.44 $48,760
3 bedrooms $1,535 $29.52 $61,400
4 bedrooms $1,769 $34.02 $70,760

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 Binghamton University

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Binghamton University is in ZIP code 13902.

For 2 bedrooms it is $1,430: $211 more than the fair market rent for Broome County ($1,219).

  • 13902 $1,430$1,800

A ZIP code counts for Binghamton University 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Binghamton University

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 Broome County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Binghamton University

No down payment, repair or rent-help program on our list is for Binghamton University or Broome County. The ones below are statewide in New York: they work in Binghamton University the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Binghamton University

The HUD-approved agencies closest to the center of Binghamton University, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Metro-Interfaith Housing Management Corporation DBA Metro Interfaith Services

    155 Court St, Binghamton · 3 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    607-772-6766-302

  • Ithaca Neighborhood Housing Services, Inc.

    115 W Clinton St, Ithaca · 36 miles away · Spanish

    Also serves in French.

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (607) 277-4500

  • Opportunities for Chenango, Inc.

    44 W Main St, Norwich · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (607) 334-7114

Every agency in Broome County All counseling agencies in New York

Help in Spanish near Binghamton University

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Binghamton University

In HUD’s record, no housing authority with an office in Broome County is named for Binghamton University or Broome County.

2 other authorities have an office in Broome County: see the list Source: HUD

Cities

Other cities in Broome County

These cities are also in Broome County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Broome County Housing in New York

Nearby cities

The cities closest to Binghamton University, with the typical home value.

Neighboring counties

If Broome County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Binghamton University.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Binghamton University

Short answers with the numbers for Binghamton University and all of Broome County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

What is the FHA loan limit in Binghamton University?

Binghamton University uses the FHA limit for all of Broome County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

Where can I find free help to buy or rent in Binghamton University?

There is 1 HUD-approved counseling agency with an office in Broome County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).