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Binghamton city, NY

ZIP 13903 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13903

Median Home Value
$144,700
Median Rent
$736
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$930/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 13903 in Binghamton city, NY, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $930. That sits below the local median household income ($61,244), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.6%+2% vs US avg
x
Vacancy Rate
8.8%-14% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
11.4%-11% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
45.8%+20% vs US avg
x
$144,700
Home Value
$736
Rent
1956
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached64.4%
  • 1-unit attached2.7%
  • 2-9 units26.7%
  • 10+ units5.5%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,700
Median rent$736
Owner-occupied66.6%
Vacant8.8%
Price-to-income2.4x
Est. income to buy$40,000