ZIP Code 13901 — Binghamton, NY Home Prices (2026)
The typical home in ZIP 13901 (Binghamton, New York) is worth about $208,000 at roughly $107 per square foot — 8% more expensive than the Binghamton median and 29% more affordable than the typical U.S. home.
How 13901 compares
ZIP 13901 is one of the pricier ZIP codes in Binghamton: its typical home value of $208,000 ranks #1 of the 4 Binghamton ZIP codes we track (the citywide range runs from $165,000 in 13904 to $208,000 in 13901). Per square foot it costs about $107, against $115 for Binghamton as a whole, $247 for New York, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 13901 | $208,000 | $107 |
| Binghamton, NY | $193,000 | $115 |
| New York | $338,000 | $247 |
| United States | $294,000 | $195 |
Home value by size in 13901
Using this ZIP’s rate of about $107 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $107,000 |
| 1,500 sq ft | $160,500 |
| 2,000 sq ft | $214,000 |
| 2,500 sq ft | $267,500 |
| 3,000 sq ft | $321,000 |
Salary needed to buy a home in ZIP 13901
To buy the typical $208,000 home in ZIP 13901 with 20% down, you need a household income of roughly $57,000 a year (about $1,320 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $67,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,400 | $1,640/mo | $70,000/yr |
| 10% (+PMI) | $20,800 | $1,570/mo | $67,000/yr |
| 20% | $41,600 | $1,320/mo | $57,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 13901
At about $107 per square foot, here is roughly how much home different budgets get you in ZIP 13901:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1400 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1870 sq ft | around the typical home here |
| $250k | 2340 sq ft | around the typical home here |
| $300k | 2800 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3740 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 13901 home.
Estimate a specific home in 13901
The estimator below is pre-set to ZIP 13901 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Binghamton ZIP codes by home value
Where 13901 sits among Binghamton’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 13901 (this page) | $208,000 | $107 |
| 2 | 13905 | $194,000 | $123 |
| 3 | 13903 | $192,000 | $110 |
| 4 | 13904 | $165,000 | $119 |
ZIP 13901 home prices: frequently asked
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See the full Binghamton home values page, all New York cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.