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City · 10,643 residents · Steuben County, New York

Corning , New York

In Corning, a typical home is worth $158,400 and typical rent is $1,014 a month. Compared with all of Steuben County, the typical home value is 15% higher, typical rent is 13% higher, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $158,400

    15% above the county

    63% below New York

    • Corning
    • Steuben
    • New York

  • Typical rent

    $1,014a month

    13% above the county

    37% below New York

    • Corning
    • Steuben
    • New York

  • Typical household income

    $61,760a year

    6% below the county

    28% below New York

    • Corning
    • Steuben
    • New York

  • Households that own their home

    51%

    22 points below the county

    3 points below New York

    • Corning
    • Steuben
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical rent
$1,198 a month

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Corning 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Corning apart

What this place has that others do not, from public data, most unusual first.

  1. 51% of households in Corning own their home, against 73% in Steuben County.

  2. Nearby, in Elmira, the typical home value is $93,000: 41% less than in Corning ($158,400).

  3. Nearby, in Bath, the typical rent is $735: 28% less than in Corning ($1,014).

  4. 4% of households in Corning have no internet at home (10% in Steuben County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Corning

What homes there are in Corning, 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 houses are the majority in Corning (50%), but less so than in Steuben County (68%).

Year built

The typical home in Corning was built in 1943, 20 years before the typical one in Steuben County.

There are fewer big homes in Corning than in Steuben County: 50% have 3 bedrooms or more, against 62%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

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

Value of owner-occupied homes

The FHA limit for Steuben County is high ($541,287): at least 98% of owner-occupied homes in Corning are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Steuben County is $1,058: about 53% of rents in Corning are below it.

With a mortgage

$1,489 a month

Steuben County: $1,448 a month

Without a mortgage

$668 a month

Steuben County: $583 a month

Owners with a mortgage

60%

Steuben County: 49%

The typical cost for an owner with a mortgage in Corning is $1,489 a month, near the figure in Steuben County ($1,448).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Corning rose at about the same pace as in Steuben County: 40% against 39%.

The typical rent in Corning rose 24% over the same time; in Steuben County, it rose 29%.

To compare: typical income in Corning rose 23%; the home, +40%; the rent, +24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

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

MeasureCorningSteuben CountyNew YorkUnited States
Rental vacancy Unreliable estimate6.2%3.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate1.7%5.3%3.4%
People per household 1.952.322.492.53
Drive alone 69%76%49%69%
Carpool 10%9%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike 8%5%6%3%
Work from home 12%9%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Corning are smaller: 1.95 people on average; in Steuben County, 2.32.

In Corning, 8% of workers walk or bike to work; in Steuben County, 5%.

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 Corning?

A typical home is tight for the typical income

We start with a typical home in Corning, worth $158,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Corning, which is $61,760 a year. For that payment to be 28% of income, a household would need to earn about $66,600 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Corning. 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 $5,544 (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

$1,554

at 7.18% · 30 years

Loan amount
$155,531
Total interest
$223,773
Paid off in
November 2056

Includes $2,675 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,441 a month

  • Tight

    $1,441 to $1,853 a month

    Your payment · 30%

  • Hard

    more than $1,853 a month

Compared with the typical household income in Corning ($61,760 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,554
Principal & interest$1,054
Property tax$364
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,544 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

Corning and Steuben County

Corning 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).

Corning's own numbers

Typical home value
$158,400
Typical monthly rent
$1,014
Typical yearly household income
$61,760
Households that own their home
51%
Effective property tax rate
2.76%

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.

Everything about Steuben County

Buying

Buying a home in Corning

A typical home in Corning is worth $158,400: 15% above the county and 63% below New York. With the typical household income in Corning ($61,760 a year), a typical home costs 2.6 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.

  • Corning 2.6 years
  • Steuben 2.1 years
  • New York 4.9 years
  • United States 4.1 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.

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

Corning 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
  • Corning $158,400
  • Steuben $137,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Corning $1,014
  • Steuben $894
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Corning $61,760
  • Steuben $65,887
  • New York $85,974
  • United States $80,734
See the full table
Corning next to Steuben County and New York
Measure Corning Steuben County New York U.S.
Typical home value $158,400 $137,900 $423,800 $332,700
Typical monthly rent $1,014 $894 $1,621 $1,413
Typical yearly household income $61,760 $65,887 $85,974 $80,734
Households that own their home 51% 73% 54% 65%
Typical yearly property tax $4,371 $3,386 $6,582 $3,119
Effective property tax rate 2.76% 2.46% 1.55% 0.94%
Renters with high rent for their income 43% 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 Corning

For a typical $158,400 home in Corning, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Corning's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,554a month

    Least cash to close
    Down payment
    $5,544
    Cash to close
    $10,296
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,525a month

    Down payment
    $7,920
    Cash to close
    $12,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,289a month

    Down payment
    $31,680
    Cash to close
    $36,432
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,435a month

    Down payment
    $23,760
    Cash to close
    $28,512
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Corning and for Steuben County.

Property tax

Effective rate in Corning

2.76%of the home’s value each year

$4,371 a year for the typical owner in Corning.

  • Corning 2.76%
  • Steuben 2.46%
  • New York 1.55%

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 Steuben County

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

FEMA’s maps count no homes in the high-risk zone in Steuben 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 Corning

Typical rent in Corning is $1,014 a month: 13% above the county. In Corning, 43% 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.

HUD fair market rent for all of Steuben 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 $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 Corning

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Corning is in ZIP code 14830.

For 2 bedrooms it is $1,220: $162 more than the fair market rent for Steuben County ($1,058).

  • 14830 $1,220$1,610

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Corning 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?

Low-income apartments

Low-income apartments in Corning

HUD lists 3 buildings with rents for lower incomes in Corning. These are the largest.

  • Stewart Park Apartments 301 Walter Smith Ter, Corning 14830 119 homes, 118 low-income · For families (607) 936-9350
  • Dayspring Apartments 101 Columbia St, Corning 14830 110 homes, 74 low-income · For older adults (607) 936-6239
  • Lamphear Court 1 77 Lamphear Ct, Corning 14830 60 low-income homes · 1 bd: 48 · 2 bd: 12 · In service since 2017

See all 20 buildings in Steuben County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Corning

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Corning

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

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

Housing counselors near Corning

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

  • Steuben Churchpeople Against Poverty, Inc. D/B/A Arbor Housing and Development

    26 Bridge St, Corning · 0 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (607) 654-7487

  • Catholic Charities, Elmira, NY

    215 E Church St, Elmira · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (607) 734-9784

  • Ithaca Neighborhood Housing Services, Inc.

    115 W Clinton St, Ithaca · 35 miles away · Spanish

    Also serves in French.

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

Every agency in Steuben County All counseling agencies in New York

Help in Spanish near Corning

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 Corning

In HUD’s record, no housing authority with an office in Steuben County is named for Corning or Steuben County.

One other authority has an office in Steuben County: see the list Source: HUD

Cities

Other cities in Steuben County

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

Everything about Steuben County Housing in New York

Nearby cities

The cities closest to Corning, with the typical home value.

Neighboring counties

If Steuben 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 Corning.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Corning

Short answers with the numbers for Corning 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 Corning?

The typical home value in Corning is $158,400, 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 Corning?

Typical rent in Corning is $1,014 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 Corning?

Corning 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 Corning?

The typical homeowner in Corning pays $4,371 a year, according to the U.S. Census Bureau. That is 2.76% of the home’s value; in Steuben County, the rate is 2.46%.

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

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.

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).