Sep 2026
$220K
+7.5% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Binghamton, NY housing market
Binghamton, NY metro median sale price $220K in Sep 2026, up 7.5% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Binghamton, NY metro is $220K as of Sep 2026, up 7.5% from a year earlier. That is the 36th-largest year-over-year gain of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 1.8% through Q2 2026, 5.7 points apart; Price reconciliation below shows both.
On median sale price, Binghamton ($220K) ranks 12th of the 13 New York metros Pecan Street tracks, between Utica ($237K) and Elmira ($168K). On median days on market, Binghamton (48 days) ranks 10th of the 13 New York metros, between Utica (52 days) and Ithaca (46 days). On share of listings with a price cut, Binghamton (35%) ranks 2nd of the 13 New York metros, between Albany (38%) and Buffalo (35%).
Listings spent a median 48 days on market in Sep 2026, fewer than in most of the 385 metros. 35% of active listings carry a price cut, 0.2 points more than a year earlier. Median asking prices are roughly level with the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,205 a month; at 28% of gross income, that takes about $52K a year. The median sale price equals about 12 years of HUD Fair Market Rent, a ratio down 1.1% from a year earlier. That ratio is the 23rd-lowest of the 373 metros. Active listings ask a median $128 per square foot, up 5.8% from a year earlier.
In four of the seven ZIP codes in the table below, median list prices are lower than a year earlier; three are higher.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,205/mo
$52K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Binghamton compares to other U.S. metros
| Price-to-rent | ↓351st of 373 |
|---|---|
| Home-price growth | ↑36th of 383 (top 10%) |
| Asking-vs-sale gap | ↓245th of 292 |
| Days on market | ↓285th of 385 |
| Price cuts | 214th of 385 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 12 -1.1% YoY ↓351st of 373 |
|---|---|
| Asking price / sq ft | $128 +5.8% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 35% +0.2 pts YoY 214th of 385 |
|---|
The median asking price $220K is roughly level with the median sale price $220K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 7 shown of 32 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Recent notable readings
- Zillow home values were lower than a year earlier in none ZIP codes across the Binghamton metro (Sep 2026): the 4th-lowest share among the 274 U.S. metros Pecan Street tracks with enough ZIP-level data to compare.
Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.
Price reconciliation
red · 5.7ppRedfin (metro) +7.5% | FHFA HPI · Q2 2026 +1.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 13754 | $232K↓ | 26↑ | 10↑ | 4↓ | 69↓ | $187K↑ |
| 13760 | $242K↓ | 74↑ | 50↑ | 24↑ | 39↑ | $214K↑ |
| 13790 | $178K↑ | 40↑ | 18↑ | 16↑ | 40↓ | $169K↑ |
| 13850 | $304K↓ | 43↑ | 24↑ | 20↑ | 42↓ | $262K↑ |
| 13901 | $199K↑ | 25↑ | 12 | 8↓ | 47↓ | $207K↑ |
| 13903 | $198K↓ | 35↑ | 10↓ | 14↑ | 49↓ | $190K↑ |
| 13905 | $196K↑ | 46↑ | 24↑ | 10↑ | 51↓ | $191K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.