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City · 13,387 residents · Broome County, New York

Endicott , New York

In Endicott, a typical home is worth $121,800 and typical rent is $853 a month. Compared with all of Broome County, typical household income is 24% lower, the typical home value is 21% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $121,800

    21% below the county

    71% below New York

    • Endicott
    • Broome
    • New York

  • Typical rent

    $853a month

    9% below the county

    47% below New York

    • Endicott
    • Broome
    • New York

  • Typical household income

    $47,290a year

    24% below the county

    45% below New York

    • Endicott
    • Broome
    • New York

  • Households that own their home

    39%

    25 points below the county

    15 points below New York

    • Endicott
    • Broome
    • New York

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

Market now, with Zillow data

Zillow data
Typical home value
$207,145
7.8% more than 12 months ago
Typical rent
$1,216 a month
9.8% more than 12 months ago

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

Endicott 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

Only here

What sets Endicott apart

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

  1. 39% of households in Endicott own their home, against 65% in Broome County.

  2. Endicott has the 12th lowest typical household income of the 350 cities in New York with more than 5,000 people ($47,290).

  3. Endicott has the 15th lowest typical rent of the 333 cities in New York with more than 5,000 people ($853).

  4. Endicott has the 21st lowest typical home value of the 348 cities in New York with more than 5,000 people ($121,800).

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

The homes here

Housing in Endicott

What homes there are in Endicott, 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

In Endicott there is a bit of everything: no kind of home reaches half. The most common are buildings of 2 to 4 homes (42%), more than in Broome County (19%).

Year built

Homes in Endicott are older: the typical year built is 1941; in Broome County, 1958.

There are fewer big homes in Endicott than in Broome County: 44% have 3 bedrooms or more, against 61%.

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
Monthly rent with utilities

With a mortgage

$1,299 a month

Broome County: $1,408 a month

Without a mortgage

$740 a month

Broome County: $645 a month

Owners with a mortgage

54%

Broome County: 52%

In Endicott, 54% of owners have a mortgage, and their typical cost is $1,299 a month, against $1,408 in Broome County. Without one it drops to $740.

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

The typical home value in Endicott rose 38% since 2015–2019, more than in Broome County (32%).

Much as in Broome County, the typical rent in Endicott rose 19% since 2015–2019.

The typical household income in Endicott rose 14%: less than home values (+38%) and rent (+19%).

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

MeasureEndicottBroome CountyNew YorkUnited States
Rental vacancy Unreliable estimate7.8%3.8%5.5%
Homeowner vacancy Unreliable estimate1.5%1.1%0.9%
More than one person per room Unreliable estimate1.8%5.3%3.4%
People per household 2.022.262.492.53
Drive alone 72%73%49%69%
Carpool 7%9%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike 5%5%6%3%
Work from home 9%10%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.02 on average, against 2.26 in Broome County.

To get to work, 72% of workers in Endicott drive alone; in Broome County, 73%.

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 Endicott?

A typical home is tight for the typical income

We start with a typical home in Endicott, worth $121,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Endicott, which is $47,290 a year. For that payment to be 28% of income, a household would need to earn about $54,430 a year.

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 Endicott. 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 $4,263 (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

$1,270

at 7.18% · 30 years

Loan amount
$119,594
Total interest
$172,068
Paid off in
November 2056

Includes $2,057 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,103 a month

  • Tight

    $1,103 to $1,419 a month

    Your payment · 32%

  • Hard

    more than $1,419 a month

Compared with the typical household income in Endicott ($47,290 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,270
Principal & interest$810
Property tax$355
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,263 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

Endicott and Broome County

Endicott 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).

Endicott's own numbers

Typical home value
$121,800
Typical monthly rent
$853
Typical yearly household income
$47,290
Households that own their home
39%
Effective property tax rate
3.5%

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 Endicott

A typical home in Endicott is worth $121,800: 21% below the county and 71% below New York. With the typical household income in Endicott ($47,290 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.

  • Endicott 2.6 years
  • Broome 2.5 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

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

Endicott 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.

Typical home value
  • Endicott $121,800
  • Broome $154,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Endicott $853
  • Broome $941
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Endicott $47,290
  • Broome $62,616
  • New York $85,974
  • United States $80,734
See the full table
Endicott next to Broome County and New York
Measure Endicott Broome County New York U.S.
Typical home value $121,800 $154,900 $423,800 $332,700
Typical monthly rent $853 $941 $1,621 $1,413
Typical yearly household income $47,290 $62,616 $85,974 $80,734
Households that own their home 39% 65% 54% 65%
Typical yearly property tax $4,267 $3,902 $6,582 $3,119
Effective property tax rate 3.5% 2.52% 1.55% 0.94%
Renters with high rent for their income 43% 50% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Broome 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 Endicott

For a typical $121,800 home in Endicott, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Endicott's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,270a month

    Least cash to close
    Down payment
    $4,263
    Cash to close
    $7,917
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,248a month

    Down payment
    $6,090
    Cash to close
    $9,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $1,066a month

    Down payment
    $24,360
    Cash to close
    $28,014
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,179a month

    Down payment
    $18,270
    Cash to close
    $21,924
    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 Endicott and for Broome County.

Property tax

Effective rate in Endicott

3.5%of the home’s value each year

$4,267 a year for the typical owner in Endicott.

  • Endicott 3.5%
  • Broome 2.52%
  • 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 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 Endicott

Typical rent in Endicott is $853 a month: 9% below the county. In Endicott, 43% of renter households pay 30% or more of their income in rent.

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 Endicott

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Endicott is in ZIP code 13760.

For 2 bedrooms it is $1,220: $1 more than the fair market rent for Broome County ($1,219).

  • 13760 $1,220$1,540

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

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

  • Nichols Notch Apts 301 Hayes Ave, Endicott 13760 57 low-income homes · 1 bd: 57 · In service since 2004 · For older adults
  • Cardinal Cove Apartments 397 Glendale Dr, Endicott 13760 50 low-income homes · 1 bd: 12 · 2 bd: 26 · 3 bd: 12 · In service since 2016 · For older adults, people with disabilities, families
  • 2 Jefferson Ave 2 Jefferson Ave, Endicott 13760 9 low-income homes · 1 bd: 2 · 2 bd: 5 · 3 bd: 2 · For families

See all 35 buildings in Broome County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Endicott

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Endicott

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

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

Housing counselors near Endicott

The HUD-approved agencies closest to the center of Endicott, 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 · 8 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 · 32 miles away · Spanish

    Also serves in French.

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

  • Catholic Charities, Elmira, NY

    215 E Church St, Elmira · 38 miles away

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

Every agency in Broome County All counseling agencies in New York

Help in Spanish near Endicott

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 Endicott

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Endicott

Short answers with the numbers for Endicott and all of Broome 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 Endicott?

The typical home value in Endicott is $121,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Broome County it is $154,900.

How much does it cost to rent in Endicott?

Typical rent in Endicott is $853 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Broome County is $1,219.

What is the FHA loan limit in Endicott?

Endicott 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.

How much property tax do owners pay in Endicott?

The typical homeowner in Endicott pays $4,267 a year, according to the U.S. Census Bureau. That is 3.5% of the home’s value; in Broome County, the rate is 2.52%.

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

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).