Chemung County, NY Average Home Price (2026)
The average home price in Chemung County, New York is about $177,000 (the 2026 median across 15 ZIP codes, at ~$120/sq ft) — 47% more affordable than the New York median and 39% more affordable than the typical U.S. home.
How Chemung County compares
Chemung County is relatively affordable for housing nationally: its typical home costs $177,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $109,000 to $268,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Chemung County | $177,000 | $120 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cities in Chemung County
Cities with their own home-value page, largest first:
Chemung County home prices by ZIP code
The 15 most valuable ZIP codes in Chemung County (of 15 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14814 Big Flats | $268,000 | $152 | +51% |
| 14845 Horseheads | $228,000 | $147 | +29% |
| 14871 Pine City | $206,000 | $120 | +16% |
| 14838 Erin | $204,000 | $80 | +15% |
| 14816 Breesport | $188,000 | $117 | +6% |
| 14889 Van Etten | $187,000 | $144 | +6% |
| 14905 Elmira | $185,000 | $101 | +5% |
| 14872 Pine Valley | $177,000 | $140 | +0% |
| 14864 Millport | $176,000 | $195 | -1% |
| 14861 Lowman | $175,000 | $181 | -1% |
| 14825 Chemung | $173,000 | $91 | -2% |
| 14903 Elmira | $168,000 | $142 | -5% |
| 14894 Wellsburg | $167,000 | $64 | -6% |
| 14901 Elmira | $115,000 | $82 | -35% |
| 14904 Elmira | $109,000 | $82 | -38% |
Home value appreciation in Chemung County
Home prices in Chemung County have risen about 51% over the last 10 years (≈4.2% a year) and +78.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $177,000 today was worth roughly $116,986 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Chemung County
Run the numbers for Chemung County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Chemung County
To buy the typical $177,000 home in Chemung County with 20% down, you need a household income of roughly $48,000 a year (about $1,120 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $57,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,900 | $1,400/mo | $60,000/yr |
| 10% (+PMI) | $17,700 | $1,340/mo | $57,000/yr |
| 20% | $35,400 | $1,120/mo | $48,000/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 Chemung County
At about $120 per square foot, here is roughly how much home different budgets get you in Chemung County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1250 sq ft | around the typical home here |
| $200k | 1670 sq ft | around the typical home here |
| $250k | 2080 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3330 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 filtered to New York.
Estimate a specific home in Chemung County
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Chemung County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.