11 Rutherford St · Binghamton, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 3/10 · Minor
- Hot days now (above 92°F)
- 8 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ 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 +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +4.0/10.0
- Livability +3.9/5.0
- Rent growth +2.5/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$75,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Spacious 4-bedroom, 2-bath home with versatile living potential! Currently configured for multi-use, a temporary wall creates a separate first-floor living area used as a large one-bedroom unit, while the upstairs features three bedrooms with a shared bathroom, with rooms rented individually. The layout may be converted back to a single-family home if desired. The home features a durable steel roof replaced just a year ago, a newer water heater, repaired and painted soffit/fascia, and all-new windows. Some cosmetic TLC is needed, offering a great opportunity to add value and make it your own.
Key facts
- All new windows
- Newer water heater
- Durable steel roof
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $75k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $558 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $75k).
- Recommended offer: $74k (1.5% below list) — sets the bar for market timing.
- Cap rate 15.2% vs local median 5.7% in Binghamton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 78/100 on livability (#174 in NY, #2,710 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
- Binghamton City School District (urban): math 30% / reading 44% proficiency, ranked #557 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Macarthur School (math 17% / reading 37%, grade F, #1,786 of 2,108 statewide, top 86%, 398 students, 62% FRL); Binghamton High School (math 71% / reading 79%, grade A-, #631 of 1,100 statewide, top 58%, 1,341 students, 69% FRL) — zoned schools at 65% FRL track the district average.
- Zoned-school proficiency averages 51% at this address vs 37% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Binghamton City School District average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: 168 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); 340 units permitted in Broome County in 2024 (269 in 5+ unit buildings).
- This rent runs 35% of the median local income ($56k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
- Broome County population projected at -13% 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 $21k cash investment doubles in ~4 years — after that, you're playing with house money.
Negotiation context
- It's been on market 27 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
Risks & watch-outs
- Watch-outs: property tax is 4.6% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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?
- 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.
- 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.
- 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
- 2.15% ✓
- Cap rate
- 15.21%
- Cash-on-cash
- 31.86%
- DSCR
- 2.42
- GRM
- 3.9
CMA / ARV
- ARV (median comp)
- $128,895
- List price
- $75,000
- Delta
- -41.81%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 79 Pine St St | 0.23mi | 3/1.0 | 1,592 (+9%) | 6mo | $132,500 | $83 | 70 |
| 135 Susquehanna Street St | 0.21mi | 2/2.0 (-1) | 1,370 (-6%) | 6mo | $55,000 | $40 | 66 |
| 14 Mcnamara Ave | 0.69mi | 4/1.5 (+1) | 1,463 (-0%) | 12mo | $170,000 | $116 | 50 |
| 1.5 Grand St | 0.50mi | 4/2.0 (+1) | 1,344 (-8%) | 4mo | $58,000 | $43 | 50 |
| 18 Kress St | 0.58mi | 3/1.0 | 1,620 (+11%) | 6mo | $105,000 | $65 | 50 |
| 7 Mcnamara Ave | 0.67mi | 3/2.0 | 1,440 (-2%) | 15mo | $193,000 | $134 | 49 |
| 5 Tremont Ave | 0.64mi | 2/1.0 (-1) | 1,443 (-2%) | 17mo | $41,500 | $29 | 49 |
| 96 Evans St | 0.64mi | 4/2.0 (+1) | 1,551 (+6%) | 7mo | $120,000 | $77 | 45 |
| 13 Clarence St | 0.75mi | 3/2.0 | 1,516 (+4%) | 13mo | $195,000 | $129 | 44 |
| 18 Esther Ave | 0.73mi | 4/2.0 (+1) | 1,536 (+5%) | 10mo | $130,000 | $85 | 40 |
| 2 Emmett St | 0.45mi | 4/2.0 (+1) | 1,644 (+12%) | 14mo | $110,000 | $67 | 38 |
| 124 Robinson St | 0.73mi | 3/1.0 | 1,296 (-12%) | 18mo | $105,000 | $81 | 32 |
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
- IRR
- 26.9%
- Equity multiple
- 2.12×
- Total profit
- $23,501
- Equity at exit
- $11,183
- IRR
- 34.6%
- Equity multiple
- 4.18×
- Total profit
- $66,777
- Equity at exit
- $6,485
Cash invested: $21,000 (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
Active competition Active MLS
- For sale now
- 27 active · 30 under contract
- Months of supply
- 7.7 mo (13%/mo absorbed)
- Median asking
- $150,000 ($106/sqft)
- Median days on market
- 66 d
- This list price
- 7% of active listings are priced below it
- ARV vs active asking
- -17.0% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 13901
- Home prices YoY
- -5.1%
- Active inventory
- 168
- Price-to-rent
- 3.9×
Monthly cashflow live
- Estimated rent
- $1,610 high interval (Pro) →
- Mortgage (P&I)
- −$393
- Tax from tax record
- −$290 /mo · $3,480/yr
- Insurance
- −$31
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$338
- Net cashflow
- $558
Break-even live
Sensitivity live
| Price | -10% $806 | -5% $579 | +0% $558 | +5% $536 | +10% $515 |
|---|---|---|---|---|---|
| Rent | -10% $430 | -5% $494 | +0% $558 | +5% $621 | +10% $685 |
| Rate | -1.0pp $595 | -0.5pp $577 | base $558 | +0.5pp $538 | +1.0pp $518 |
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
- $18,750
- Closing costs
- $2,250
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 33 Fayette St Unit 22 Binghamton, NY | 2.0 | 1.0 | 1350 | $1,100 | $0.81 | 154d | 1 | 0.15mi |
| 47 Carroll St Apt 2R Binghamton, NY | 3.0 | 1.0 | 1000 | $1,950 | $1.95 | 10d | 1 | 0.28mi |
| 47 Carroll St Unit 1L Binghamton, NY | 3.0 | 1.0 | 1000 | $2,250 | $2.25 | 10d | 1 | 0.28mi |
| 12 Tompkins St Binghamton, NY | 3.0 | 1.0 | 900 | $1,400 | $1.56 | 10d | 1 | 0.29mi |
| 113 Hawley St Binghamton, NY | 4.0 | 1.5 | 1637 | $2,000 | $1.22 | 184d | 1 | 0.31mi |
| 136 Court St Unit 2 Binghamton, NY | 4.0 | 1.0 | 1373 | $3,000 | $2.18 | 184d | 1 | 0.34mi |
| 27 Tompkins St Unit 10 Binghamton, NY | 2.0 | 1.0 | 950 | $1,050 | $1.11 | 162d | 1 | 0.35mi |
| 27 Tompkins St Unit B3 Binghamton, NY | 2.0 | 1.0 | 950 | $1,150 | $1.21 | 10d | 1 | 0.35mi |
| 27 Tompkins St Unit 9 Binghamton, NY | 2.0 | 1.0 | 950 | $950 | $1.00 | 184d | 1 | 0.35mi |
| 123 Court St Apt 2D Binghamton, NY | 4.0 | 2.0 | 1400 | $795 | $0.57 | 8d | 1 | 0.38mi |
| 57 Tompkins St Unit 2 Binghamton, NY | 3.0 | 1.5 | 1126 | $1,550 | $1.38 | 10d | 1 | 0.42mi |
| 6 Evans St Unit 2 Binghamton, NY | 2.0 | 1.0 | 950 | $1,300 | $1.37 | 0d | 1 | 0.46mi |
| 26 Doubleday St Binghamton, NY | 2.0 | 1.0 | 1000 | $1,350 | $1.35 | 184d | 1 | 0.49mi |
| 86 Conklin Ave Binghamton, NY | 3.0 | 1.0 | 1316 | $1,600 | $1.22 | 154d | 1 | 0.51mi |
| 6 Carlton St #2 Binghamton, NY | 2.0 | 1.0 | 1000 | $1,200 | $1.20 | 12d | 1 | 0.52mi |
| 80 State St Unit A 3-1 3 Bed Binghamton, NY | 3.0 | 3.0 | 900 | $900 | $1.00 | 184d | 1 | 0.54mi |
| 145 Prospect Ave Binghamton, NY | 2.0 | 1.5 | 1740 | $1,550 | $0.89 | 10d | 1 | 0.56mi |
| 59 Hayes St Unit 2 Binghamton, NY | 2.0 | 1.0 | 1050 | $1,100 | $1.05 | 10d | 1 | 0.58mi |
| 130 Washington St Binghamton, NY | 4.0 | 4.0 | 1700 | $3,800 | $2.24 | 51d | 1 | 0.59mi |
| 257 Washington St Binghamton, NY | 2.0–3.0 | 1.0–2.0 | 1350 | $2,000 | $1.48 | 0d | 1 | 0.60mi |
| 48 Telegraph St Binghamton, NY | 2.0 | 2.0 | 1300 | $1,800 | $1.38 | 0d | 1 | 0.62mi |
| 1 Euclid Ave Unit 1 Binghamton, NY | 3.0 | 1.0 | 1100 | $1,500 | $1.36 | 184d | 1 | 0.67mi |
| 4 McNamara Ave Unit 2 Binghamton, NY | 3.0 | 1.0 | 1000 | $1,400 | $1.40 | 0d | 1 | 0.70mi |
| 43 Mill St #2 Binghamton, NY | 2.0 | 1.0 | 1225 | $1,250 | $1.02 | 9d | 1 | 0.72mi |
| 27 1/2 Euclid Ave Binghamton, NY | 3.0 | 1.5 | 1200 | $1,350 | $1.12 | 29d | 1 | 0.76mi |
| 40 Griswold St #1 Binghamton, NY | 2.0 | 1.0 | 936 | $1,200 | $1.28 | 10d | 1 | 0.80mi |
| 21 Phinn Ave Binghamton, NY | 2.0 | 1.5 | 960 | $1,250 | $1.30 | 0d | 1 | 0.83mi |
| 50 Front St Binghamton, NY | 1.0–2.0 | 1.0–2.0 | 1150 | $3,200 | $2.78 | 0d | 5 | 0.85mi |
| 539 State St Binghamton, NY | 3.0 | 1.0 | 1315 | $1,500 | $1.14 | 0d | 1 | 0.90mi |
| 167 Oak St Unit 1 Binghamton, NY | 2.0 | 1.0 | 923 | $1,300 | $1.41 | 184d | 1 | 0.91mi |
| 26 Louisa St #2 Binghamton, NY | 2.0 | 1.0 | 1023 | $1,500 | $1.47 | 2d | 1 | 0.92mi |
| 26 Louisa St #1 Binghamton, NY | 2.0 | 1.0 | 1000 | $1,400 | $1.40 | 2d | 1 | 0.92mi |
| 71 Mary St Unit 2 Binghamton, NY | 2.0 | 1.0 | 1100 | $1,300 | $1.18 | 154d | 1 | 0.94mi |
| 17 Mitchell Ave Unit 1 Binghamton, NY | 3.0 | 1.5 | 1314 | $1,450 | $1.10 | 16d | 1 | 0.99mi |
| 17 Mitchell Ave Unit 1 Binghamton, NY | 3.0 | 1.5 | 1314 | $1,450 | $1.10 | 10d | 1 | 0.99mi |
| 16 Pleasant Ave Unit R Binghamton, NY | 2.0 | 1.0 | 1150 | $1,295 | $1.13 | 5d | 1 | 1.00mi |
| 198 Chapin St Binghamton, NY | 4.0 | 2.0 | 1500 | $1,700 | $1.13 | 162d | 1 | 1.01mi |
| 87 S Washington St Binghamton, NY | 2.0 | 1.0 | 900 | $1,100 | $1.22 | 0d | 1 | 1.02mi |
| 171 Chapin St Unit 3rd FL Binghamton, NY | 2.0 | 1.0 | 1135 | $1,500 | $1.32 | 184d | 1 | 1.04mi |
| 171 Chapin St Unit 1st FL Binghamton, NY | 4.0 | 1.5 | 1400 | $3,000 | $2.14 | 184d | 1 | 1.04mi |
Property features AI
Exterior
- Parking
- On-street parking
- Utilities
- Public waterPublic sewerCable available
- Home design
- Single-family residenceTwo levels
- Construction
- Vinyl siding
- Exterior features
- Cul-de-sac
Interior
- Kitchen
- Range, Free-Standing Range, Refrigerator
- Flooring
- Carpet, Hardwood, Vinyl
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Forced-air heating
- Interior features
- Insulated windowsBasement
Listing history 50 events
-
2026-11-08days on market $75,000 Active 27 DOM
-
2026-11-07days on market $75,000 Active 26 DOM
-
2026-11-06days on market $75,000 Active 25 DOM
-
2026-11-05days on market $75,000 Active 24 DOM
-
2026-11-04days on market $75,000 Active 23 DOM
-
2026-11-02days on market $75,000 Active 21 DOM
-
2026-11-01days on market $75,000 Active 20 DOM
-
2026-10-31days on market $75,000 Active 19 DOM
-
2026-10-30days on market $75,000 Active 18 DOM
-
2026-10-29days on market $75,000 Active 17 DOM
-
2026-10-28days on market $75,000 Active 16 DOM
-
2026-10-27days on market $75,000 Active 15 DOM
-
2026-10-26days on market $75,000 Active 14 DOM
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2026-10-25days on market $75,000 Active 13 DOM
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2026-10-24days on market $75,000 Active 12 DOM
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2026-10-23days on market $75,000 Active 11 DOM
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2026-10-22days on market $75,000 Active 10 DOM
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2026-10-21days on market $75,000 Active 9 DOM
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2026-10-20days on market $75,000 Active 8 DOM
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2026-10-19days on market $75,000 Active 7 DOM
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2026-10-18days on market $75,000 Active 6 DOM
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2026-10-17days on market $75,000 Active 5 DOM
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2026-10-16days on market $75,000 Active 4 DOM
-
2026-10-15days on market $75,000 Active 3 DOM
-
2026-10-14days on market $75,000 Active 2 DOM
-
2026-10-13pricedays on market $75,000 Active 1 DOM
-
2026-09-27days on market $65,000 Active 162 DOM
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2026-09-26days on market $65,000 Active 161 DOM
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2026-09-25days on market $65,000 Active 160 DOM
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2026-09-24days on market $65,000 Active 159 DOM
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2026-09-24days on market $65,000 Active 158 DOM
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2026-09-22days on market $65,000 Active 157 DOM
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2026-09-20days on market $65,000 Active 155 DOM
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2026-09-19days on market $65,000 Active 154 DOM
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2026-09-18days on market $65,000 Active 153 DOM
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2026-09-17days on market $65,000 Active 152 DOM
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2026-09-16days on market $65,000 Active 151 DOM
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2026-09-15days on market $65,000 Active 150 DOM
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2026-09-14days on market $65,000 Active 149 DOM
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2026-09-13days on market $65,000 Active 148 DOM
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2026-09-12days on market $65,000 Active 147 DOM
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2026-09-11days on market $65,000 Active 146 DOM
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2026-09-05days on market $65,000 Active 140 DOM
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2026-09-04days on market $65,000 Active 139 DOM
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2026-09-03days on market $65,000 Active 138 DOM
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2026-08-30days on market $65,000 Active 134 DOM
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2026-08-29days on market $65,000 Active 133 DOM
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2026-08-28days on market $65,000 Active 132 DOM
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2026-08-27days on market $65,000 Active 131 DOM
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2026-08-26days on market $65,000 Active 130 DOM
ⓘ 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
- $3,480 · $290/mo
- Projected year-2 tax
- $3,480 · $290/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 1/10 Low FEMA zone X · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 3/10 Moderate 8 d/yr ≥92°F today · 17 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $19,323
- − Mortgage interest
- −$4,201
- − Property taxes
- −$3,480
- − Insurance
- −$375
- − Repairs & maintenance
- −$1,546
- − Management
- −$1,546
- − Depreciation
- −$2,182
- Taxable income
- $5,993
- Est. tax owed @ 24.0%
- −$1,438
- After-tax cash flow
- $5,252/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.
Condition & rehab AI · 3 photos
This home requires moderate repairs and maintenance to improve its curb appeal and resale value. Immediate updates to the exterior siding and paint, along with landscaping, can significantly boost its value.
Deferred maintenance Est. $40,000–$120,000 screening
- Major Roof (roof) — Signs of significant damage or wear on the roof structure
- Major Windows (windows) — Visible signs of rot or damage to window frames
- Major Electrical (electrical) — Exposed wiring and potential hazards
- Major Exterior (exterior) — Significant deterioration of siding and foundation
Repairs flagged
- Moderate exterior siding — Weathered and chipped
- Moderate exterior paint — Chipped and uneven
- Minor landscaping — Sparse and overgrown
Value-add opportunities
- Both paint exterior — Enhances curb appeal and resale value ↑
- Both landscaping — Improves curb appeal and rental appeal ↑
- Both repair and paint exterior siding — Fixes aesthetic issues and enhances value ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Binghamton City School District
- NCES district ID
- 3604870
- Math proficiency
- 30% ▬ 0.00%
- Reading proficiency
- 44% ▲ 15.00%
- Median HH income
- $30,475
- Composite
- 30.09/100
- National rank
- #6342
- State rank
- #557 of 590 in NY
Livability — Binghamton
- Score
- 78/100
- State rank
- #174
- US rank
- #2710
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Binghamton, NY
- County
- Broome County · 187,989 people
- City population
- 65,170
- Metro
- Binghamton, NY
- Population (ZIP)
- 19,613
- Household income
- $55,523
- Rent vs Own
- Severe rent burden
- 10% of renters
Population outlook (Broome County) Hauer SSP2
- Today (2025)
- 187,989 people
- By 2030
- 183,066 · -2.6%
- By 2040
- 172,228 · -8.4%
- By 2050
- 163,161 · -13.2%
- By 2075
- 153,641 · -18.3%
- By 2100
- 140,851 · -25.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (80%)
- Race & ethnicity
- White 80% Two or more races 7% Hispanic / Latino 7% Black 5% Asian 2%
- Hispanic origin (detail)
- Puerto Rican 3%
- Languages at home
- 93% English-only · Spanish 3% Russian/Polish/Slavic 1% Other Indo-European 1%
Political lean MEDSL · Broome
- 2024 margin
- Toss-up / Even · D 50.2% · R 49.8%
- 2008→2024 swing
- -7.6pp toward R · 2008: 8.0pp · 2024: 0.4pp
- All cycles
- 2024: D+0.4 2020: D+3.5 2016: R+3.7 2012: D+4.6 2008: D+8.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -16.13%
- Current HPI
- 300.7692
- Rent YoY
- —
- Metro
- Binghamton, NY
- State GDP YoY
- ▲ 2.60%
- F500 in state
- 92
Industry mix (Fortune 500 HQ in NY)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 10 | $950B |
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| Consumer Goods | 9 | $162B |
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| Insurance | 4 | $225B |
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| Telecommunications | 2 | $144B |
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| Pharmaceuticals | 2 | $112B |
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| Media / Entertainment | 2 | $69B |
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Price history
-6.2% since first listed4 events — show timeline
- 2026-10-12 Listed $75,000 GBAOR
- 2026-05-29 Price Changed $65,000 GBAOR
- 2026-04-29 Price Changed $75,000 GBAOR
- 2026-04-01 Listed $80,000 GBAOR
Property tax history
+4.3%/yrLatest (2026): $3,480 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…