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City · 6,782 residents · Chenango County, New York

Norwich , New York

In Norwich, a typical home is worth $121,100 and typical rent is $867 a month. Compared with all of Chenango County, typical household income is 15% lower, the typical home value is 12% lower, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $121,100

    12% below the county

    71% below New York

    • Norwich
    • Chenango
    • New York

  • Typical rent

    $867a month

    About the same as the county

    47% below New York

    • Norwich
    • Chenango
    • New York

  • Typical household income

    $53,333a year

    15% below the county

    38% below New York

    • Norwich
    • Chenango
    • New York

  • Households that own their home

    41%

    34 points below the county

    13 points below New York

    • Norwich
    • Chenango
    • New York

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

Norwich is in Chenango 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 Chenango County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Norwich apart

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

  1. 41% of households in Norwich own their home, against 75% in Chenango County.

  2. Norwich has the 17th lowest typical rent of the 333 cities in New York with more than 5,000 people ($867).

  3. Norwich has the 20th lowest typical home value of the 348 cities in New York with more than 5,000 people ($121,100).

  4. The typical household income in Norwich is $53,333, 15% less than in Chenango County as a whole ($62,948).

  5. Norwich has the 29th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (39%).

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

The homes here

Housing in Norwich

What homes there are in Norwich, 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 Norwich there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Chenango County, 65%.

Year built

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

$1,387 a month

Chenango County: $1,408 a month

Without a mortgage

$590 a month

Chenango County: $572 a month

Owners with a mortgage

51%

Chenango County: 48%

The typical cost for an owner with a mortgage in Norwich is $1,387 a month, near the figure in Chenango County ($1,408).

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, the typical home value in Norwich rose 29%; in Chenango County, it rose 40%.

Since 2015–2019, the typical rent in Norwich rose 23%, less than in Chenango County (29%).

Here income gained ground: typical income rose 37%, against +29% for home values and +23% for rent.

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

MeasureNorwichChenango CountyNew YorkUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.0%5.3%3.4%
People per household 2.122.292.492.53
Drive alone 75%78%49%69%
Carpool 8%8%6%9%
Public transit Unreliable estimateUnreliable estimate22%3%
Walk or bike Unreliable estimate4%6%3%
Work from home 10%9%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Norwich has 2.12 people, fewer than in Chenango County (2.29).

To get to work, 75% of workers in Norwich drive alone; in Chenango County, 78%.

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 Norwich?

A typical home is within reach of the typical income

We start with a typical home in Norwich, worth $121,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Norwich, which is $53,333 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Norwich. 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 $4,239 (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

$1,228

at 7.18% · 30 years

Loan amount
$118,906
Total interest
$171,078
Paid off in
November 2056

Includes $2,045 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,244 a month

    Your payment · 28%

  • Tight

    $1,244 to $1,600 a month

  • Hard

    more than $1,600 a month

Compared with the typical household income in Norwich ($53,333 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,228
Principal & interest$806
Property tax$319
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,239 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

Norwich and Chenango County

Norwich is in Chenango 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).

Norwich's own numbers

Typical home value
$121,100
Typical monthly rent
$867
Typical yearly household income
$53,333
Households that own their home
41%
Effective property tax rate
3.16%

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

Numbers for all of Chenango County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
6.2%

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 Chenango County.

Everything about Chenango County

Buying

Buying a home in Norwich

A typical home in Norwich is worth $121,100: 12% below the county and 71% below New York. With the typical household income in Norwich ($53,333 a year), a typical home costs 2.3 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.

  • Norwich 2.3 years
  • Chenango 2.2 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chenango County

According to FHFA’s house price index, home prices in Chenango County rose 70% in the 10 years through 2025.

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

Period County New York U.S.
Last year (2025) +10.3% +6.0% +2.9%
5 years (2020–2025) +47% +52% +47%
10 years (2015–2025) +70% +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

Norwich next to Chenango 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
  • Norwich $121,100
  • Chenango $137,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Norwich $867
  • Chenango $875
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Norwich $53,333
  • Chenango $62,948
  • New York $85,974
  • United States $80,734
See the full table
Norwich next to Chenango County and New York
Measure Norwich Chenango County New York U.S.
Typical home value $121,100 $137,900 $423,800 $332,700
Typical monthly rent $867 $875 $1,621 $1,413
Typical yearly household income $53,333 $62,948 $85,974 $80,734
Households that own their home 41% 75% 54% 65%
Typical yearly property tax $3,824 $3,120 $6,582 $3,119
Effective property tax rate 3.16% 2.26% 1.55% 0.94%
Renters with high rent for their income 39% 42% 52% 51%

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

For a typical $121,100 home in Norwich, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Norwich's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,228a month

    Least cash to close
    Down payment
    $4,239
    Cash to close
    $7,872
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,206a month

    Down payment
    $6,055
    Cash to close
    $9,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $1,026a month

    Down payment
    $24,220
    Cash to close
    $27,853
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,138a month

    Down payment
    $18,165
    Cash to close
    $21,798
    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 Norwich and for Chenango County.

Property tax

Effective rate in Norwich

3.16%of the home’s value each year

$3,824 a year for the typical owner in Norwich.

  • Norwich 3.16%
  • Chenango 2.26%
  • 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 Chenango County

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

Homes in the high-risk zone
6.2%
1,500
Of those, with NFIP insurance
20%
County New York U.S.
Homes in the high-risk zone 6.2% 2% 3.5%
Of those, with NFIP insurance 20% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Norwich

Typical rent in Norwich is $867 a month: about the same as the county. In Norwich, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chenango County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Chenango 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 $850 $16.35 $34,000
1 bedroom $855 $16.44 $34,200
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,404 $27.00 $56,160
4 bedrooms $1,512 $29.08 $60,480

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 Norwich

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Norwich is in ZIP code 13815.

For 2 bedrooms it is $1,040: $26 more than the fair market rent for Chenango County ($1,014).

  • 13815 $1,040$1,440

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

HUD lists 4 buildings with rents for lower incomes in Norwich. These are the largest.

  • Peacock Park Manor 13 Brown St, Norwich 13815 102 low-income homes · Run by Norwich Housing Authority · Average payment: $466 a month · Average wait: 5 months (607) 334-5358
  • Golden Age 33 Mechanic St, Norwich 13815 100 homes, 89 low-income · 1 bd: 99 · 2 bd: 1 · In service since 2007 · For older adults (607) 336-7004
  • Grace View Manor 80 Calvary Dr, Norwich 13815 40 low-income homes · For older adults (607) 336-3915
  • Cobblers Square 7A State St, Norwich 13815 34 homes · In service since 2014 · For people with disabilities, families

See all 9 buildings in Chenango County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Norwich

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 Chenango County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Norwich

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

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

Housing counselors near Norwich

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

  • Opportunities for Chenango, Inc.

    44 W Main St, Norwich · 0 miles away

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

  • Delaware Opportunities, Incorporated

    35430 State Highway 10, Hamden · 36 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (607) 746-1600

  • Metro-Interfaith Housing Management Corporation DBA Metro Interfaith Services

    155 Court St, Binghamton · 36 miles away

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

Every agency in Chenango County All counseling agencies in New York

Help in Spanish near Norwich

None of the 3 agencies on this list say they serve 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 Norwich

HUD’s record names them for Norwich or Chenango County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Norwich Housing Authority Public housing and Section 8 vouchers (607) 334-5358

All housing agencies in New York Source: HUD

Cities

Nearby cities

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

Everything about Chenango County Housing in New York

Neighboring counties

If Chenango 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 Norwich.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Norwich

Short answers with the numbers for Norwich and all of Chenango 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 Norwich?

The typical home value in Norwich is $121,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chenango County it is $137,900.

How much does it cost to rent in Norwich?

Typical rent in Norwich is $867 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chenango County is $1,014.

What is the FHA loan limit in Norwich?

Norwich uses the FHA limit for all of Chenango 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 Norwich?

The typical homeowner in Norwich pays $3,824 a year, according to the U.S. Census Bureau. That is 3.16% of the home’s value; in Chenango County, the rate is 2.26%.

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

There is 1 HUD-approved counseling agency with an office in Chenango 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).