ZIP Code 13905 — Binghamton, NY Home Prices (2026)

The typical home in ZIP 13905 (Binghamton, New York) is worth about $194,000 at roughly $123 per square foot — 1% more expensive than the Binghamton median and 34% more affordable than the typical U.S. home.

$194,000

Typical home value

$123

Price per sq ft

#2 of 4

Binghamton ZIPs by value

+1%

vs Binghamton median

How 13905 compares

ZIP 13905 is one of the pricier ZIP codes in Binghamton: its typical home value of $194,000 ranks #2 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 $123, against $115 for Binghamton as a whole, $247 for New York, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 13905	$194,000	$123
Binghamton, NY	$193,000	$115
New York	$338,000	$247
United States	$294,000	$195

Home value by size in 13905

Using this ZIP’s rate of about $123 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	$123,000
1,500 sq ft	$184,500
2,000 sq ft	$246,000
2,500 sq ft	$307,500
3,000 sq ft	$369,000

Salary needed to buy a home in ZIP 13905

To buy the typical $194,000 home in ZIP 13905 with 20% down, you need a household income of roughly $53,000 a year (about $1,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$9,700	$1,530/mo	$66,000/yr
10% (+PMI)	$19,400	$1,460/mo	$63,000/yr
20%	$38,800	$1,230/mo	$53,000/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 13905

At about $123 per square foot, here is roughly how much home different budgets get you in ZIP 13905:

Budget	Approx. size	What that looks like locally
$150k	1220 sq ft	below the local median — condos, smaller or older homes
$200k	1630 sq ft	around the typical home here
$250k	2030 sq ft	around the typical home here
$300k	2440 sq ft	above the median — larger homes or the pricier ZIPs
$400k	3250 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 13905 home.

Estimate a specific home in 13905

The estimator below is pre-set to ZIP 13905 — 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 13905 sits among Binghamton’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	13901	$208,000	$107
2	13905 (this page)	$194,000	$123
3	13903	$192,000	$110
4	13904	$165,000	$119

ZIP 13905 home prices: frequently asked

What is the average home price in ZIP code 13905? +

The typical home in ZIP 13905 (Binghamton, NY) is worth about $194,000 as of 2026. That is 1% more expensive than the Binghamton median of $193,000 and 34% more affordable than the U.S. median of $294,000.

What is the price per square foot in 13905? +

About $123 per square foot in 13905, versus $115 across Binghamton and $247 across New York. At that rate a 1,500 sq ft home runs roughly $184,500 and a 2,500 sq ft home about $307,500.

What salary do you need to buy a house in ZIP 13905? +

For the typical $194,000 home in ZIP 13905, a household income of about $53,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $63,000; with 5% down about $66,000.

Is 13905 an expensive ZIP code? +

Within Binghamton, 13905 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Binghamton. Nationally it is relatively affordable.

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.