In Southport, a typical home is worth $107,900 and typical rent is $1,136 a month. Compared with all of Chemung County, the typical home value is 24% lower and typical rent is 7% higher.
Southport is in Chemung 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 Chemung County. See the county
What this place has that others do not, from public data, most unusual first.
1
Southport has the 15th lowest typical home value of the 348 cities in New York with more than 5,000 people ($107,900).
2
Nearby, in Elmira, the typical rent is $909: 20% less than in Southport ($1,136).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Southport
What homes there are in Southport, 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
Southport
Chemung County
New York
United States
Kind of home: Southport and its comparisons
Measure
Southport
Chemung County
New York
United States
Detached house
77%
68%
41%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
15%
16%
17%
8%
Apartments (5 or more)
Unreliable estimate
10%
35%
19%
Mobile home
Unreliable estimate
4%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 77% of homes here, against 68% in Chemung County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Southport
Chemung County
New York
United States
Year built: Southport and its comparisons
Measure
Southport
Chemung County
New York
United States
Before 1960
59%
58%
52%
26%
1960–1979
32%
24%
22%
24%
1980–1999
Unreliable estimate
10%
14%
25%
2000–2009
Unreliable estimate
5%
6%
14%
2010 or later
Unreliable estimate
3%
6%
11%
The typical year built in Southport is 1957, about the same as in Chemung County (1955).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K46%
$100K–$200K41%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Southport and its comparisons
Measure
Southport
Under $100K
46%
$100K–$200K
41%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49963%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Southport and its comparisons
Measure
Southport
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
63%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,061 a month
Chemung County: $1,332 a month
Without a mortgage
$449 a month
Chemung County: $601 a month
Owners with a mortgage
65%
Chemung County: 55%
Owning costs less in Southport: with a mortgage, the typical cost is $1,061 a month; in Chemung County, $1,332. Without one, $449.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Southport+32%
Chemung County+33%
New York+35%
United States+53%
Typical rent
Southport+43%
Chemung County+30%
New York+27%
United States+33%
Typical household income
Southport+26%
Chemung County+16%
New York+26%
United States+29%
Change since 2015–2019: Southport and its comparisons
Measure
Southport
Chemung County
New York
United States
Typical home value
+32%
+33%
+35%
+53%
Typical rent
+43%
+30%
+27%
+33%
Typical household income
+26%
+16%
+26%
+29%
The typical home value in Southport rose 32% since 2015–2019, about the same as in Chemung County (33%).
Rents in Southport rose faster than in Chemung County: 43% since 2015–2019, against 30%.
Housing prices ran ahead of income in Southport: typical income rose 26%, against +32% for home values and +43% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Southport and its comparisons
Measure
Southport
Chemung County
New York
United States
Rental vacancy
Unreliable estimate
5.4%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
2.0%
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
5.3%
3.4%
People per household
1.99
2.23
2.49
2.53
Drive alone
82%
78%
49%
69%
Carpool
11%
9%
6%
9%
Public transit
Unreliable estimate
1%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
Unreliable estimate
8%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.99 on average, against 2.23 in Chemung County.
To get to work, 82% of workers in Southport drive alone; in Chemung County, 78%.
Do the math
What would you pay each month for a home in Southport?
A typical home is within reach of the typical income
We start with a typical home in Southport, worth $107,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Southport, which is $62,684 a year.
The calculator's FHA and conventional loan limits are those of all of Chemung 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 Southport. 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 $3,777 (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
$971
at 7.18% · 30 years
Loan amount
$105,945
Total interest
$152,430
Paid off in
November 2056
Includes $1,822 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,463 a month
Your payment · 19%
Tight
$1,463 to $1,881 a month
Hard
more than $1,881 a month
Compared with the typical household income in Southport ($62,684 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$718
Property tax
$160
Home insurance
$45
FHA mortgage insurance (MIP)
$48
You need at least $3,777 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 $971; principal and interest $718.
The city and its county
Southport and Chemung County
Southport is in Chemung 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).
Southport
Map of Chemung County, New York, with Southport marked. Around it, the neighboring counties.
Southport
Chemung County
Other cities with a page
Southport's own numbers
Typical home value
$107,900
Typical monthly rent
$1,136
Typical yearly household income
$62,684
Households that own their home
70%
Effective property tax rate
1.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Chemung County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,348
Price change over 5 years (FHFA)
+37%
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 Chemung County.
A typical home in Southport is worth $107,900: 24% below the county and 75% below New York. With the typical household income in Southport ($62,684 a year), a typical home costs 1.7 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.
Southport1.7 years
Chemung2.2 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Chemung County
According to FHFA’s house price index, home prices in Chemung County rose 51% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Chemung County.
Yearly change in FHFA’s price index in Chemung County, 2016 to 2025
2016: −0.9% −0.9% 2016
2017: +2.7% +2.7% 2017
2018: +3.0% +3.0% 2018
2019: +3.2% +3.2% 2019
2020: +2.1% +2.1% 2020
2021: +6.2% +6.2% 2021
2022: +12.9% +12.9% 2022
2023: +3.3% +3.3% 2023
2024: +6.4% +6.4% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Chemung County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+3.9%
+6.0%
+2.9%
5 years (2020–2025)
+37%
+52%
+47%
10 years (2015–2025)
+51%
+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
Southport next to Chemung 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
Southport$107,900
Chemung$141,100
New York$423,800
United States$332,700
Typical monthly rent
Southport$1,136
Chemung$1,059
New York$1,621
United States$1,413
Typical yearly household income
Southport$62,684
Chemung$63,716
New York$85,974
United States$80,734
See the full table
Southport next to Chemung County and New York
Measure
Southport
Chemung County
New York
U.S.
Typical home value
$107,900 ▼24% below the county
$141,100
$423,800
$332,700
Typical monthly rent
$1,136 ▲7% above the county
$1,059
$1,621
$1,413
Typical yearly household income
$62,684
$63,716
$85,974
$80,734
Households that own their home
70% ▲2 points above the county
68%
54%
65%
Typical yearly property tax
$1,919 ▼44% below the county
$3,451
$6,582
$3,119
Effective property tax rate
1.78% ▼0.67 points below the county
2.45%
1.55%
0.94%
Renters with high rent for their income
53% ▲1 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chemung 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 Southport
For a typical $107,900 home in Southport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Southport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$970a month
Least cash to close
Down payment
$3,777
Cash to close
$7,014
Rate
7.18%
Mortgage insurance
FHA MIP · $48
Conventional, 5% down$951a month
Down payment
$5,395
Cash to close
$8,632
Rate
7.18%
Mortgage insurance
PMI · $51
Conventional, 20% down, no PMI$790a month
Down payment
$21,580
Cash to close
$24,817
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$890a month
Down payment
$16,185
Cash to close
$19,422
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Southport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$970
$3,777
$105,946
7.18%
FHA MIP · $48
$7,014
580
Conventional, 5% down
$951
$5,395
$102,505
7.18%
PMI · $51
$8,632
620*
Conventional, 20% down, no PMI
$790
$21,580
$86,320
7.18%
None
$24,817
620*
ITIN, 15% down (example)
$890
$16,185
$91,715
8.18%
None
$19,422
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 Southport is $1,136 a month: 7% above the county. In Southport, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Chemung County, by unit size. To pay the 2-bedroom one ($1,348 a month) without spending more than 30% of your income, you would need to earn $25.92 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 Chemung County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,020
$19.62
$40,800
1 bedroom
$1,030
$19.81
$41,200
2 bedrooms
$1,348
$25.92
$53,920
3 bedrooms
$1,643
$31.60
$65,720
4 bedrooms
$1,793
$34.48
$71,720
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 Southport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Southport has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,340 in 14904 to $1,380 in 14871.
1 of the 2 is above the fair market rent for Chemung County ($1,348).
Fair market rent by ZIP code and size in Southport, fiscal year 2027.
14871
$1,050
$1,060
$1,380
$1,690
$1,860
14904
$1,010
$1,020
$1,340
$1,630
$1,780
ZIP code2 bd3 bd
14871 $1,380$1,690
14904 $1,340$1,630
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Southport 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 Chemung County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Southport or Chemung County. The ones below are statewide in New York: they work in Southport 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 Southport or Chemung 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 Southport and all of Chemung 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 Southport?
The typical home value in Southport is $107,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chemung County it is $141,100.
How much does it cost to rent in Southport?
Typical rent in Southport is $1,136 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chemung County is $1,348.
What is the FHA loan limit in Southport?
Southport uses the FHA limit for all of Chemung 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 Southport?
The typical homeowner in Southport pays $1,919 a year, according to the U.S. Census Bureau. That is 1.78% of the home’s value; in Chemung County, the rate is 2.45%.
Where can I find free help to buy or rent in Southport?
There is 1 HUD-approved counseling agency with an office in Chemung County. They can help you get ready to buy, with your credit, or with rent.
