Housing in Tioga County, NY
Homes, rents and assisted housing, from the Census Bureau, HUD and the businesses in this site’s directory.
- 22,104homes (housing units), 7.9% vacant
- $160,800median home value
- $928median rent (gross, a month)
- 108new homes and apartments permitted this year (to Aug 2026)
Census Bureau, American Community Survey 2020–2024 5-year estimates. Median rent includes utilities.
New homes permitted this year
108 homes in 63 new buildings: 54 single-family, 0 in 2–4 unit buildings and 54 in buildings of 5 or more, $18.4 million in construction value.
| Where | Homes | Single-family | 5 or more units | Value |
|---|---|---|---|---|
| Owego village | 69 | 15 | 54 | $10.5 million |
| Owego town | 7 | 7 | 0 | $1.7 million |
| Tioga town | 6 | 6 | 0 | $1 million |
| Candor town | 5 | 5 | 0 | $1.3 million |
| Newark Valley town | 5 | 5 | 0 | $750,000 |
| Nichols town | 5 | 5 | 0 | $1.2 million |
| Berkshire town | 4 | 4 | 0 | $562,499 |
| Spencer town | 4 | 4 | 0 | $566,310 |
| Barton town | 2 | 2 | 0 | $407,826 |
| Richford town | 1 | 1 | 0 | $291,000 |
Census Bureau Building Permits Survey, new privately owned housing, year to date through August 2026. Places that issued none aren’t listed. Development →
Home mortgages
821 home loans made in 2025, $120.7M in all. The lenders that made the most:
Home Mortgage Disclosure Act data (CFPB and FFIEC): loans originated for homes in the county, by lender. No borrower details are kept.
Income-restricted and assisted housing
12 properties with 355 homes, 261 of them income-restricted or assisted.
| Property | Address | Program | Homes | Restricted or assisted | Serves |
|---|---|---|---|---|---|
| Elizabeth Square (2016) | 430 Fulton Ave, Waverly | Low-income housing tax credit | 75 | 0 | seniors |
| Elizabeth Square Apts | 430 Fulton St, Waverly | HUD-assisted (HFDA/8 NC) | 75 | 75 | seniors |
| Owego Gardens (2016) | 130a Southside Dr, Owego | Low-income housing tax credit | 62 | 47 | |
| Creamery Hills (1997) | 355 Creamery Rd, Richford | Low-income housing tax credit | 24 | 24 | families |
| Ocg II (2008) | 150 Dean St, Owego | Low-income housing tax credit | 24 | 24 | seniors |
| Ocg Housing (2004) | 148 Dean St, Owego | Low-income housing tax credit | 22 | 22 | families |
| Candor Elderly Housing (1991) | 75 Spencer Rd, Candor | Low-income housing tax credit | 18 | 18 | seniors |
| Newark Valley Apts (2002) | 10 Golden Ln, Newark Valley | Low-income housing tax credit | 18 | 18 | families |
| Nichols School Renovation (1996) | 84 Cady Ave, Nichols | Low-income housing tax credit | 13 | 13 | seniors |
| Frandsen Apts | 6 Owego St Ext, Spencer | Low-income housing tax credit | 12 | 8 | seniors |
| Spencer Elderly Housing | 42 Liberty St, Spencer | Low-income housing tax credit | 12 | 12 | seniors |
| Muldoon Gardens (2013) | 443 Pennsylvania Ave, Waverly | Low-income housing tax credit | 0 | 0 | seniors |
From HUD: the low-income housing tax credit database (year placed in service in brackets), HUD-assisted multifamily properties and public housing developments. A property can be in more than one program, so totals may count homes twice. For openings, call the property or the housing authority.
Fair Market Rents
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $783 | $868 | $1,103 | $1,412 | $1,622 |
HUD’s Fair Market Rents for Binghamton, NY MSA (rent plus utilities, the current federal fiscal year), used for Housing Choice Vouchers and many programs. Not an average of listings.
Tax-credit homes by when they opened
Homes in low-income housing tax credit (LIHTC) projects, by the decade each was placed in service (HUD’s LIHTC database).
Housing and real estate businesses
22 apartment communities, property managers, real estate offices, builders and other housing businesses are in the directory. Browse them →