218 Chestnut St · Elmira, NY 14904

$99,888

3 bd · 1.0 ba · 1,492 sqft · SingleFamily public records · 133 Days on market

Built 1930 9,563 sqft lot $67/sqft · 58% above area

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +26.9/30.0
• DSCR +9.3/10.0
• 1% rule +8.4/10.0
• ARV discount +7.5/15.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

AGENTS - APPROVED IN ADVANCE - YOU DO NOT NEED TO BE A MEMBER OF SHOWINGTIME OR MLS TO SCHEDULE SHOWS * * * Charming 1930 Traditional Home in a Friendly Neighborhood with River Views. .. .. This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting. .. .. Property Highlights. .. .. 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor). .. . 3 bedrooms + bonus attic room. .. . Sunroom, living room, and separate dining room. .. . 1.5 bathrooms (half bath downstairs, full bath upstairs). .. . Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition. .. . Forced air gas heating. .. . Municipal sewage and commercial water. .. . Carport for covered parking. .. . Traditional style with character from its 1930s build. .. . Prime Location. .. . Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views. .. .. . Taxes: $2,989 annually. .. .. 1 building on the lot. .. .. . This move-in-ready gem offers comfort, convenience, and character. .. .. .. Don't miss out.

Key facts

• Large front yard
• Separate dining room
• Living room

Tags

• RIVER VIEWS
• LARGE FRONT YARD
• LARGER BACKYARD
• SUNROOM
• LIVING ROOM
• SEPARATE DINING ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $277 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#832 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, crime F, amenities F.
• Elmira City School District (urban): math 23% / reading 35% proficiency, ranked #580 of 590 in NY (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 101 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 91 units permitted in Chemung County in 2024 (63 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Chemung County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 133 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $40k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $32k; list at $100k implies a 207% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,901 (12.0% below list)

Questions for the listing agent

1. It's been on market 133 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.34% ✓
• Cap rate: 9.62%
• Cash-on-cash: 11.88%
• DSCR: 1.53
• GRM: 6.2

CMA / ARV

• ARV (median comp): $63,390
• List price: $99,888
• Delta: 57.58%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
309 Broadway St	0.10mi	4/1.0 (+1)	1,468 (-2%)	3mo	$78,000	$53	85
478 Mount Zoar St	0.26mi	4/1.0 (+1)	1,456 (-2%)	2mo	$35,000	$24	77
507 Partridge St	0.16mi	3/1.5	1,592 (+7%)	3mo	$106,500	$67	77
461 W Hudson St	0.12mi	3/1.5	1,331 (-11%)	6mo	$93,906	$71	69
421 Partridge St	0.10mi	3/1.5	1,274 (-15%)	1mo	$47,000	$37	68
421 Jefferson St	0.33mi	3/1.5	1,688 (+13%)	5mo	$85,106	$50	56
551 Lyon St	0.68mi	3/1.0	1,586 (+6%)	3mo	$158,000	$100	55
609 Chester St	0.52mi	3/1.5	1,618 (+8%)	7mo	$110,000	$68	54
626 Decker Ave	0.49mi	3/2.0	1,335 (-10%)	2mo	$142,000	$106	54
310 Sly St	0.62mi	3/1.5	1,359 (-9%)	6mo	$75,000	$55	49
213 Juanita St	0.60mi	3/1.0	1,320 (-12%)	6mo	$21,000	$16	47
562 Baty St	0.64mi	3/1.0	1,296 (-13%)	5mo	$111,702	$86	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.4%
• Equity multiple: 1.05×
• Total profit: $1,529
• Equity at exit: $14,894

10-year hold

• IRR: 11.1%
• Equity multiple: 1.87×
• Total profit: $24,348
• Equity at exit: $8,636

Cash invested: $27,969 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 14904

• Home prices YoY: -9.6%
• Active inventory: 101
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,336 high
• Mortgage (P&I): −$524
• Tax from tax record: −$213 /mo · $2,556/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $277

Break-even live

Break-even rent $985

Max offer price $99,888

Occupancy floor 74%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $24,972
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
419 Jefferson St Unit A Elmira, NY	2.0	2.0	1100	$1,995	$1.81	43d	1	0.29mi
160 Boardman St Unit B Elmira, NY	2.0	1.0	1727	$800	$0.46	43d	1	0.36mi
363 W Water St #2 Elmira, NY	3.0	1.0	1084	$1,250	$1.15	43d	1	0.39mi
514 W 1st St Unit A Elmira, NY	4.0	1.0	1416	$1,275	$0.90	43d	1	0.67mi
454 W 2nd St Unit 1 Elmira, NY	2.0	1.0	1400	$1,000	$0.71	43d	1	0.69mi
106 W 2nd St Unit A Elmira, NY	3.0	1.0	1395	$1,400	$1.00	43d	1	0.77mi
357 W Clinton St Unit 1 Elmira, NY	2.0	1.5	1650	$1,500	$0.91	43d	1	0.82mi
355 W Clinton St Unit 1 Elmira, NY	3.0	1.5	1650	$1,400	$0.85	43d	1	0.82mi
550 Spruce St Unit 303 Elmira, NY	2.0	2.0	1350	$1,350	$1.00	43d	1	0.88mi

Listing history 27 events

1. 2026-06-19
   days on market $99,888 Active 133 DOM
2. 2026-06-18
   days on market $99,888 Active 132 DOM
3. 2026-06-17
   days on market $99,888 Active 131 DOM
4. 2026-06-16
   days on market $99,888 Active 130 DOM
5. 2026-06-15
   days on market $99,888 Active 129 DOM
6. 2026-06-14
   days on market $99,888 Active 127 DOM
7. 2026-06-12
   days on market $99,888 Active 126 DOM
8. 2026-06-09
   days on market $99,888 Active 123 DOM
9. 2026-06-08
   days on market $99,888 Active 122 DOM
10. 2026-06-07
    days on market $99,888 Active 121 DOM
11. 2026-06-05
    days on market $99,888 Active 118 DOM
12. 2026-06-03
    days on market $99,888 Active 117 DOM
13. 2026-06-02
    days on market $99,888 Active 116 DOM
14. 2026-06-01
    days on market $99,888 Active 115 DOM
15. 2026-05-31
    days on market $99,888 Active 114 DOM
16. 2026-05-30
    days on market $99,888 Active 113 DOM
17. 2026-05-06
    price $99,888 1423-char remark

    Show marketing remark (1355 chars)

    Charming 1930 Traditional Home in a Friendly Neighborhood with River Views..... This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting..... Property Highlights..... 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor).... 3 bedrooms + bonus attic room.... Sunroom, living room, and separate dining room.... 1.5 bathrooms (half bath downstairs, full bath upstairs).... Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition.... Forced air gas heating.... Municipal sewage and commercial water.... Carport for covered parking.... Traditional style with character from its 1930s build.... Prime Location.... Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views...... Taxes: $2,989 annually..... 1 building on the lot...... This move-in-ready gem offers comfort, convenience, and character....... Don't miss out—schedule your showing today! (Price and address available upon request.)

18. 2026-05-06
    price $99,888 1355-char remark

    Show marketing remark (1355 chars)

    Charming 1930 Traditional Home in a Friendly Neighborhood with River Views..... This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting..... Property Highlights..... 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor).... 3 bedrooms + bonus attic room.... Sunroom, living room, and separate dining room.... 1.5 bathrooms (half bath downstairs, full bath upstairs).... Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition.... Forced air gas heating.... Municipal sewage and commercial water.... Carport for covered parking.... Traditional style with character from its 1930s build.... Prime Location.... Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views...... Taxes: $2,989 annually..... 1 building on the lot...... This move-in-ready gem offers comfort, convenience, and character....... Don't miss out—schedule your showing today! (Price and address available upon request.)

19. 2026-04-10
    price $119,888 1355-char remark

    Show marketing remark (1423 chars)

    AGENTS - APPROVED IN ADVANCE - YOU DO NOT NEED TO BE A MEMBER OF SHOWINGTIME OR MLS TO SCHEDULE SHOWS * * * Charming 1930 Traditional Home in a Friendly Neighborhood with River Views. .. .. This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting. .. .. Property Highlights. .. .. 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor). .. . 3 bedrooms + bonus attic room. .. . Sunroom, living room, and separate dining room. .. . 1.5 bathrooms (half bath downstairs, full bath upstairs). .. . Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition. .. . Forced air gas heating. .. . Municipal sewage and commercial water. .. . Carport for covered parking. .. . Traditional style with character from its 1930s build. .. . Prime Location. .. . Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views. .. .. . Taxes: $2,989 annually. .. .. 1 building on the lot. .. .. . This move-in-ready gem offers comfort, convenience, and character. .. .. .. Don't miss out.

20. 2026-04-10
    price $119,888 1423-char remark

    Show marketing remark (1423 chars)

    AGENTS - APPROVED IN ADVANCE - YOU DO NOT NEED TO BE A MEMBER OF SHOWINGTIME OR MLS TO SCHEDULE SHOWS * * * Charming 1930 Traditional Home in a Friendly Neighborhood with River Views. .. .. This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting. .. .. Property Highlights. .. .. 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor). .. . 3 bedrooms + bonus attic room. .. . Sunroom, living room, and separate dining room. .. . 1.5 bathrooms (half bath downstairs, full bath upstairs). .. . Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition. .. . Forced air gas heating. .. . Municipal sewage and commercial water. .. . Carport for covered parking. .. . Traditional style with character from its 1930s build. .. . Prime Location. .. . Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views. .. .. . Taxes: $2,989 annually. .. .. 1 building on the lot. .. .. . This move-in-ready gem offers comfort, convenience, and character. .. .. .. Don't miss out.

21. 2026-02-25
    price $129,888 1423-char remark

    Show marketing remark (1355 chars)

    Charming 1930 Traditional Home in a Friendly Neighborhood with River Views..... This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting..... Property Highlights..... 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor).... 3 bedrooms + bonus attic room.... Sunroom, living room, and separate dining room.... 1.5 bathrooms (half bath downstairs, full bath upstairs).... Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition.... Forced air gas heating.... Municipal sewage and commercial water.... Carport for covered parking.... Traditional style with character from its 1930s build.... Prime Location.... Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views...... Taxes: $2,989 annually..... 1 building on the lot...... This move-in-ready gem offers comfort, convenience, and character....... Don't miss out—schedule your showing today! (Price and address available upon request.)

22. 2026-02-25
    price $129,888 1355-char remark

    Show marketing remark (1355 chars)

    Charming 1930 Traditional Home in a Friendly Neighborhood with River Views..... This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting..... Property Highlights..... 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor).... 3 bedrooms + bonus attic room.... Sunroom, living room, and separate dining room.... 1.5 bathrooms (half bath downstairs, full bath upstairs).... Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition.... Forced air gas heating.... Municipal sewage and commercial water.... Carport for covered parking.... Traditional style with character from its 1930s build.... Prime Location.... Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views...... Taxes: $2,989 annually..... 1 building on the lot...... This move-in-ready gem offers comfort, convenience, and character....... Don't miss out—schedule your showing today! (Price and address available upon request.)

23. 2026-02-06
    listed $139,888 Active 1423-char remark

    Show marketing remark (1423 chars)

    AGENTS - APPROVED IN ADVANCE - YOU DO NOT NEED TO BE A MEMBER OF SHOWINGTIME OR MLS TO SCHEDULE SHOWS * * * Charming 1930 Traditional Home in a Friendly Neighborhood with River Views. .. .. This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting. .. .. Property Highlights. .. .. 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor). .. . 3 bedrooms + bonus attic room. .. . Sunroom, living room, and separate dining room. .. . 1.5 bathrooms (half bath downstairs, full bath upstairs). .. . Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition. .. . Forced air gas heating. .. . Municipal sewage and commercial water. .. . Carport for covered parking. .. . Traditional style with character from its 1930s build. .. . Prime Location. .. . Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views. .. .. . Taxes: $2,989 annually. .. .. 1 building on the lot. .. .. . This move-in-ready gem offers comfort, convenience, and character. .. .. .. Don't miss out.

24. 2026-02-04
    listed $139,888 Active 1355-char remark

    Show marketing remark (1355 chars)

    Charming 1930 Traditional Home in a Friendly Neighborhood with River Views..... This beautiful, spacious 2-story home sits on a generous 0.32-acre lot (lot dimensions 151' x 63', total lot ~9,513 sq ft) featuring a large front yard and an even larger backyard—perfect for outdoor enjoyment, gardening, or entertaining. Enjoy scenic river views throughout this peaceful yet convenient setting..... Property Highlights..... 1,492 sq ft living area (816 sq ft on 1st floor + 676 sq ft on 2nd floor).... 3 bedrooms + bonus attic room.... Sunroom, living room, and separate dining room.... 1.5 bathrooms (half bath downstairs, full bath upstairs).... Walk-in basement with washer/dryer connections, furnace, and water heater — everything in great working condition.... Forced air gas heating.... Municipal sewage and commercial water.... Carport for covered parking.... Traditional style with character from its 1930s build.... Prime Location.... Extremely walkable! Aldi, Family Dollar, Dollar Tree, fast-food, and local restaurants are all within easy walking distance. Friendly neighborhood with scenic river views...... Taxes: $2,989 annually..... 1 building on the lot...... This move-in-ready gem offers comfort, convenience, and character....... Don't miss out—schedule your showing today! (Price and address available upon request.)

25. 2023-03-16
    soldstatus $32,500
26. 2023-03-03
    soldstatus $32,500
27. 2022-09-15
    listed $39,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $2,556 · $213/mo
• Projected year-2 tax: $2,556 · $213/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (shaded) · 72% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,031
• − Mortgage interest: −$5,595
• − Property taxes: −$2,556
• − Insurance: −$499
• − Repairs & maintenance: −$1,283
• − Management: −$1,283
• − Depreciation: −$2,906
• Taxable income: $1,910
• Est. tax owed @ 24.0%: −$458
• After-tax cash flow: $2,865/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Elmira City School District
• NCES district ID: 3610560
• Math proficiency: 23% ▼ -7.00%
• Reading proficiency: 35% ▲ 7.00%
• Median HH income: $40,180
• Composite: 24.39/100
• National rank: #7688
• State rank: #580 of 590 in NY

Livability — Elmira

• Score: 62/100
• State rank: #832
• US rank: #16139

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Elmira, NY
• City population: 14,276
• Population (ZIP): 14,276

Population outlook (Chemung County) Hauer SSP2

• Today (2025): 82,931 people
• By 2030: 80,356 · -3.1%
• By 2040: 74,745 · -9.9%
• By 2050: 69,012 · -16.8%
• By 2075: 55,689 · -32.8%
• By 2100: 41,428 · -50.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Two or more races 7% Black 7% Hispanic / Latino 5% Native American 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 2% · Canada, Jamaica, Dominican Republic
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Chemung

• 2024 margin: R (+16.8) · D 41.6% · R 58.4%
• 2008→2024 swing: -15.6pp toward R · 2008: -1.2pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+13.4 2016: R+20.0 2012: R+2.9 2008: R+1.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.33%
• Current HPI: 220.688
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+150.3% since first listed

11 events — show timeline

• 2026-05-06 Price Changed $99,888 UNYREIS
• 2026-05-06 Price Changed $99,888 OneKey® MLS as Distributed by MLS Grid
• 2026-04-10 Price Changed $119,888 OneKey® MLS as Distributed by MLS Grid
• 2026-04-10 Price Changed $119,888 UNYREIS
• 2026-02-25 Price Changed $129,888 UNYREIS
• 2026-02-25 Price Changed $129,888 OneKey® MLS as Distributed by MLS Grid
• 2026-02-06 Listed $139,888 UNYREIS
• 2026-02-04 Listed $139,888 OneKey® MLS as Distributed by MLS Grid
• 2023-03-16 Sold (Public Records) $32,500 Public Records
• 2023-03-03 Sold (MLS) $32,500 UNYREIS
• 2022-09-15 Listed $39,900 UNYREIS

Property tax history

+23.5%/yr

Latest (2025): $2,556 · -11.7% YoY. Source: county tax records.