Cost of Living in Chemung County, New York
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Chemung County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Chemung County ranks #2,221 of 3,142 counties for affordability (bottom 29%)
Sourced county brief
Chemung County Official GRAPI Higher Than State County Mean
The official median gross rent as a percentage of household income (GRAPI) in Chemung County was 31.1% during the survey period. This official figure, found in ACS table B25071, is 1.3 percentage points higher than the New York unweighted county mean of 29.8%. The median gross rent was estimated at $1,059 per month, which is $109 below the state unweighted county mean of $1,168. For homeowners, the median home value was $141,100, compared to the state unweighted county mean of $281,200. Median selected monthly owner costs for all owner-occupied units were $974, which is below the state unweighted county mean of $1,352. The median renter-household income was recorded at $36,043. These statistics represent tenure-specific housing expenses and income based on the 2020-2024 American Community Survey five-year estimates. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Chemung County
Affordability Verdict
ACS B25071 estimates median gross rent at 31.1% of renter household income in Chemung County, which is between the 30% and 50% rent-burden benchmarks. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,059 per month; median selected monthly owner costs are $974. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $42,360 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The New York unweighted mean of county median rents is $1,168 per month. Chemung County's $1,059 median is 9.4% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Chemung County
Rent Burden
19.9%
of gross income
Max Housing (28% Rule)
$1,487
per month
Owner Cost Burden
18.3%
of gross income
You can likely afford the median home in Chemung County
Median home value is $141,100. Estimated monthly cost: $1,126 vs. your max of $1,487.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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