CitytisticsShortlist

Cost of living, pay and housing

42.05° N · 76.12° W · GEOID 3673990

Tioga Terrace

Tioga County, New York · part of the Binghamton, NY metro

Limited data population under 5,000, core figures borrowed from county or metro: median_gross_rent

New YorkTioga Terrace, NYTioga TerraceTioga Terrace

The short answer

Tioga Terrace is home to 2,057 people. Median household income is $131,817 a year and median rent is $928 a month, 8.4% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $233,400, about 1.8x annual median household income.

Median gross rent
$928
32% below the median place
Median household income
$131,817
64% above the median place
Median home value
$233,400
27% below the median place
Unemployment
5.5%
12% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Tioga Terrace

  • 99% of homes are owner-occupied, more than in 99% of the 2,476 places under 10,000 people we track. It is the 2nd-highest of 338 New York places.
  • The median rent takes only 8.4% of the median household's income, a smaller share than in 99% of places its size. It is the lowest of 340 New York places.
  • Only 0% of renter households spend 30% or more of income on rent, a lower share than in 98% of places its size. It is the lowest of 309 New York places.
  • The median home is worth 1.8 years of the median household's income, fewer than in 97% of places its size.
  • The median household earns $131,817 a year, more than in 86% of places its size.
01

Moving to Tioga Terrace

Tioga County gains about 2.6 residents per 1,000 a year to moves between counties.

Moved in2,099
Moved out1,992
Net+107

Where people come from and where they go, top counties

Within New York, other states or abroad

Arrivals
Leavers
Within New YorkOther states

Income per tax return

Arrivals$54K
Leavers$56K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Tioga County; flows under 20 returns are not published.

Who moves here
4.1% of residents arrived from another county in the past year, 0.0% from another state. County figure.
Who arrives and who leaves
Households moving into Tioga County report $54,500 a year in income on average; those leaving, $55,700.
Income you would need
$37,100 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $928 a month; owners with a mortgage pay $1,857 a month including taxes and insurance, on a median home of $233,400.
Getting to work
19 minutes each way on average; 9.2% work from home.
If it is close but not quite
Edgewood, KY matches it on character. Compare the two
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving in7
$54,454
23% below the median place
Income of households moving out7
$55,676
21% below the median place
All 5 moving measures
MeasureTioga TerraceAmong 6,645 placesVs median
Moved here in the past year1County figure4.1%28% below
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people7County figure2.6above (median -0.6)
Income of households moving in7County figure$54,45423% below
Income of households moving out7County figure$55,67621% below
02

What it costs to live here

Renters paying 30%+ is 0.0%, below the median place (median 50.6%).

Tioga Terrace8.4%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$37,120
a year, at the 30% line
Rent to income
8.4%
59% below the median place
Home price to income
1.8x
53% below the median place

Could you afford it?

The median rent would take
8%
comfortably under the 30% line
Left after rent, in US prices
$123,800
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Tioga Terrace, $928 a month, and local prices for everything else (97.6 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Tioga Terrace.

Sponsored · exampleMoving to Tioga Terrace? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
0.0%
below the median place (median 50.6%)
Homeownership1
98.6%
48% above the median place
Property tax rate1
2.5%
177% above the median place
All 16 cost and housing measures
MeasureTioga TerraceAmong 6,645 placesVs median
Median gross rent1County figure$92832% below
Rent to income18.4%59% below
Property tax rate12.5%177% above
Home price to income11.8x53% below
Prices vs US average2Metro figure92.98% below
Fair market rent, 2 bedrooms3County figure$1,21925% below
HUD area median income4County figure$88,60017% below
Property tax paid (median)1$5,88580% above
Median home value1$233,40027% below
Home prices, 1-year change5County figure12.4%288% above
Home prices, 5-year change5County figure51.6%0% above
Homeownership198.6%48% above
Renters paying 30%+10.0%below (median 50.6%)
Owner costs with a mortgage1$1,8571% below
Vacant homes1County figure8.0%13% above
Median year built119690% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Median household income1
$131,817
64% above the median place
Income per person1
$62,361
56% above the median place
All 10 work and pay measures
MeasureTioga TerraceAmong 6,645 placesVs median
Median household income1$131,81764% above
Income per person1$62,36156% above
Unemployment1County figure5.5%12% above
Average annual pay6County figure$68,5774% above
Pay growth, 1 year6County figure2.1%43% below
Jobs6County figure13,06891% below
Poverty rate1County figure13.4%24% above
Mean commute119 min23% below
Works from home19.2%27% below
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

No health insurance is 0.0%, below the median place (median 6.4%).

No health insurance1
0.0%
below the median place (median 6.4%)
Homes with broadband1
98.8%
7% above the median place
High school or higher1
96.8%
5% above the median place

More about who lives here, against the typical place

Bachelor's or higher54.0% +68%
Median age44.3 +14%
Household size2.6 +5%
All 8 people measures
MeasureTioga TerraceAmong 6,645 placesVs median
Population12,0576646th largest
Median age144.314% above
Bachelor's or higher154.0%68% above
High school or higher196.8%5% above
Household size12.65% above
Born abroad1County figure2.1%76% below
No health insurance10.0%below (median 6.4%)
Homes with broadband198.8%7% above
05

Life in Tioga Terrace

57 sites are on the National Register of Historic Places, one of them a National Historic Landmark.

Out the door, against the typical place

Parks per 10k residents9.7 −4%
Playgrounds per 10k9.7 +3%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k14.6 +31%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −90%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars15.0 −28%
Shops24.9 −18%
Arts, recreation and fitness4.4 +7%
Doctors' offices and clinics10.4 −49%
Child care centers1.3 −43%

Counts businesses with paid staff, so small owner-run shops are not included.

Child care centers per 10k8
1.3
43% below the median place
Doctors' offices and clinics per 10k8
10.4
49% below the median place
Restaurants and bars per 10k8
15.0
28% below the median place
All 16 schools and local life measures
MeasureTioga TerraceAmong 6,645 placesVs median
Public schools11County figure21133% above
Public school students11County figure7,11245% above
Students per teacher11County figure11.823% below
Restaurants and bars per 10k8County figure15.028% below
Shops per 10k8County figure24.918% below
Arts, recreation and fitness per 10k8County figure4.47% above
Doctors' offices and clinics per 10k8County figure10.449% below
Child care centers per 10k8County figure1.343% below
Parks per 10k99.74% below
Playgrounds per 10k99.73% above
Grocery stores per 10k90.0below (median 2.1)
Restaurants, cafes and bars per 10k914.631% above
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.290% below
Transit stops per sq mi90.0below (median 0.2)
National Register listings10County figure57338% above
06

Safety, weather and risk

Heat wave risk is 40.3, 55% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Tioga Terrace. Larger places are fetched first.

Heat wave risk13
40.3
55% below the median place
July average high12
81°F
7% below the median place
Average temperature12
47°F
14% below the median place
All 9 weather and risk measures
MeasureTioga TerraceAmong 6,645 placesVs median
July average high12County figure81°F7% below
January average low12County figure15°F40% below
Average temperature12County figure47°F14% below
Annual precipitation12County figure40.7 in7% below
Natural hazard risk13County figure59.935% below
Hurricane risk13County figure62.711% below
Tornado risk13County figure43.846% below
Wildfire risk13County figure23.961% below
Heat wave risk13County figure40.355% below
08

Tioga Terrace in 2030: where the trends point

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median household income$131,817 (2024)$167,000$141,000 to $197,500+4.0%
Median home value$233,400 (2024)$337,000$245,000 to $464,000+6.3%

The median home would be worth 2.0 years of the median income in 2030, against 1.8 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Tioga Terrace

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Edgewood, KY$1,073$119,028Compare
Hamburg, NY$1,097$112,292Compare
Gananda, NY$1,027$109,761Compare
Crestwood, MO$1,007$107,169Compare
Crestwood, MOGananda, NYHamburg, NYEdgewood, KYTioga Terrace, NYTioga TerraceEdgewoodHamburgGanandaCrestwoodTioga TerraceEdgewoodHamburgGanandaCrestwood

Common questions

Is Tioga Terrace a good place to live?

It depends on what you need, so here is what the numbers say. 99% of homes are owner-occupied, more than in 99% of the 2,476 places under 10,000 people we track. It is the 2nd-highest of 338 New York places. The median rent takes only 8.4% of the median household's income, a smaller share than in 99% of places its size. It is the lowest of 340 New York places. See how it ranks with your own weights.

Is Tioga Terrace expensive to live in?

The median rent takes 8.4% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $233,400.

What salary do you need to live in Tioga Terrace?

To rent the median home without spending more than 30% of income on rent, a household needs about $37,120 a year. Work it out from your current city.

What places are similar to Tioga Terrace?

On income, rent, home value, education and age, the closest matches are Edgewood, KY, Hamburg, NY, Gananda, NY and Crestwood, MO.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Common Core of Data · National Center for Education Statistics · 2024 release
  12. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  13. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Tioga Terrace with places of a similar size, using only figures measured for Tioga Terrace itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/tioga-terrace-new-york

Citytistics. “Tioga Terrace, New York.” Data as of 2026-11-14. https://www.citytistics.com/city/tioga-terrace-new-york/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.