In Endwell, a typical home is worth $173,300 and typical rent is $919 a month. Compared with all of Broome County, typical household income is 32% higher, the typical home value is 12% higher, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $151,064 to $226,288.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Endwell 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Johnson City, the typical home value is $117,100: 32% less than in Endwell ($173,300).
2
The typical household income in Endwell is $82,726,32% more than in Broome County as a whole ($62,616).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Endwell rose 8.6%; in New York, it rose 5.6%.
4
75% of households in Endwell own their home, against 65% in Broome County.
5
Endwell has the 33rd lowest typical rent of the 333 cities in New York with more than 5,000 people ($919).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Endwell
What homes there are in Endwell, 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
Endwell
Broome County
New York
United States
Kind of home: Endwell and its comparisons
Measure
Endwell
Broome County
New York
United States
Detached house
72%
60%
41%
61%
Attached house
4%
2%
6%
6%
Building of 2 to 4
18%
19%
17%
8%
Apartments (5 or more)
Unreliable estimate
14%
35%
19%
Mobile home
Unreliable estimate
4%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Endwell: 72% of homes, more than in Broome County (60%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Endwell
Broome County
New York
United States
Year built: Endwell and its comparisons
Measure
Endwell
Broome County
New York
United States
Before 1960
51%
52%
52%
26%
1960–1979
34%
26%
22%
24%
1980–1999
12%
15%
14%
25%
2000–2009
2%
4%
6%
14%
2010 or later
Unreliable estimate
3%
6%
11%
The typical year built in Endwell is 1960, about the same as in Broome County (1958).
In Endwell, 68% of homes have 3 bedrooms or more, more than in Broome County (61%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K8%
$100K–$200K50%
$200K–$300K29%
$300K–$500K10%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Endwell and its comparisons
Measure
Endwell
Under $100K
8%
$100K–$200K
50%
$200K–$300K
29%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 97% of owner-occupied homes in Endwell sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Endwell and its comparisons
Measure
Endwell
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,484 a month
Broome County: $1,408 a month
Without a mortgage
$621 a month
Broome County: $645 a month
Owners with a mortgage
58%
Broome County: 52%
Owning costs more in Endwell: with a mortgage, the typical cost is $1,484 a month; in Broome County, $1,408. Without one, $621.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Endwell+29%
Broome County+32%
New York+35%
United States+53%
Typical rent
Endwell+31%
Broome County+21%
New York+27%
United States+33%
Typical household income
Endwell+41%
Broome County+20%
New York+26%
United States+29%
Change since 2015–2019: Endwell and its comparisons
Measure
Endwell
Broome County
New York
United States
Typical home value
+29%
+32%
+35%
+53%
Typical rent
+31%
+21%
+27%
+33%
Typical household income
+41%
+20%
+26%
+29%
Homes in Endwell gained value more slowly than in Broome County: 29% since 2015–2019, against 32%.
The typical rent in Endwell rose 31% over the same time; in Broome County, it rose 21%.
Here income gained ground: typical income rose 41%, against +29% for home values and +31% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Endwell and its comparisons
Measure
Endwell
Broome County
New York
United States
Rental vacancy
Unreliable estimate
7.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.8%
5.3%
3.4%
People per household
2.21
2.26
2.49
2.53
Drive alone
81%
73%
49%
69%
Carpool
7%
9%
6%
9%
Public transit
Unreliable estimate
3%
22%
3%
Walk or bike
Unreliable estimate
5%
6%
3%
Work from home
8%
10%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Broome County, a household in Endwell has 2.21 people on average.
To get to work, 81% of workers in Endwell drive alone; in Broome County, 73%.
Do the math
What would you pay each month for a home in Endwell?
A typical home is within reach of the typical income
We start with a typical home in Endwell, worth $173,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Endwell, which is $82,726 a year.
The calculator's FHA and conventional loan limits are those of all of Broome 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 Endwell. 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 $6,066 (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
$1,638
at 7.18% · 30 years
Loan amount
$170,161
Total interest
$244,821
Paid off in
November 2056
Includes $2,927 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,930 a month
Your payment · 24%
Tight
$1,930 to $2,482 a month
Hard
more than $2,482 a month
Compared with the typical household income in Endwell ($82,726 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,153
Property tax
$337
Home insurance
$72
FHA mortgage insurance (MIP)
$77
You need at least $6,066 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 $1,638; principal and interest $1,153.
The city and its county
Endwell and Broome County
Endwell 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).
Endwell
Map of Broome County, New York, with Endwell marked. Around it, the neighboring counties.
Endwell
Broome County
Other cities with a page
Endwell's own numbers
Typical home value
$173,300
Typical monthly rent
$919
Typical yearly household income
$82,726
Households that own their home
75%
Effective property tax rate
2.33%
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.
A typical home in Endwell is worth $173,300: 12% above the county and 59% below New York. With the typical household income in Endwell ($82,726 a year), a typical home costs 2.1 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.
Endwell2.1 years
Broome2.5 years
New York4.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Broome County, 2016 to 2025
2016: +1.6% +1.6% 2016
2017: +2.3% +2.3% 2017
2018: +2.9% +2.9% 2018
2019: +1.5% +1.5% 2019
2020: +6.1% +6.1% 2020
2021: +10.1% +10.1% 2021
2022: +11.3% +11.3% 2022
2023: +9.1% +9.1% 2023
2024: +7.6% +7.6% 2024
2025: +7.8% +7.8% 2025
Change in FHFA’s price index in Broome County, New York and the United States
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
Endwell 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
Endwell$173,300
Broome$154,900
New York$423,800
United States$332,700
Typical monthly rent
Endwell$919
Broome$941
New York$1,621
United States$1,413
Typical yearly household income
Endwell$82,726
Broome$62,616
New York$85,974
United States$80,734
See the full table
Endwell next to Broome County and New York
Measure
Endwell
Broome County
New York
U.S.
Typical home value
$173,300 ▲12% above the county
$154,900
$423,800
$332,700
Typical monthly rent
$919 ▼2% below the county
$941
$1,621
$1,413
Typical yearly household income
$82,726 ▲32% above the county
$62,616
$85,974
$80,734
Households that own their home
75% ▲11 points above the county
65%
54%
65%
Typical yearly property tax
$4,030 ▲3% above the county
$3,902
$6,582
$3,119
Effective property tax rate
2.33% ▼0.19 points below the county
2.52%
1.55%
0.94%
Renters with high rent for their income
50% ▼1 points below the county
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 Endwell
For a typical $173,300 home in Endwell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Endwell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,638a month
Least cash to close
Down payment
$6,066
Cash to close
$11,265
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,606a month
Down payment
$8,665
Cash to close
$13,864
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,348a month
Down payment
$34,660
Cash to close
$39,859
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,508a month
Down payment
$25,995
Cash to close
$31,194
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Endwell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,638
$6,066
$170,161
7.18%
FHA MIP · $77
$11,265
580
Conventional, 5% down
$1,606
$8,665
$164,635
7.18%
PMI · $82
$13,864
620*
Conventional, 20% down, no PMI
$1,348
$34,660
$138,640
7.18%
None
$39,859
620*
ITIN, 15% down (example)
$1,508
$25,995
$147,305
8.18%
None
$31,194
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 Endwell is $919 a month: 2% below the county. In Endwell, 50% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Broome County (Fiscal year 2027)
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 Endwell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Endwell is in ZIP code 13760.
For 2 bedrooms it is $1,220: $1 more than the fair market rent for Broome County ($1,219).
Fair market rent by ZIP code and size in Endwell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
13760
$850
$960
$1,220
$1,540
$1,770
ZIP code2 bd3 bd
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 Endwell 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 Broome County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Endwell or Broome County. The ones below are statewide in New York: they work in Endwell 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 Endwell or Broome 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 Endwell 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 Endwell?
The typical home value in Endwell is $173,300, 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 Endwell?
Typical rent in Endwell is $919 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 Endwell?
Endwell 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 Endwell?
The typical homeowner in Endwell pays $4,030 a year, according to the U.S. Census Bureau. That is 2.33% of the home’s value; in Broome County, the rate is 2.52%.
Where can I find free help to buy or rent in Endwell?
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.
