Elmira, NY · New York
Chemung County
82,805 residents105 permits TTM$63,469 median HHI15 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$132,100
ACS 5-Year
Cap rate proxy
9.3%
FMR × 0.65 ÷ Home Value
Rent-to-income
19.3%
HUD FMR ÷ ACS HHI
Net migration
+0.99%
IRS SOI
Permits (TTM)
105
Census BPS
Climate risk
54.8
FEMA NRI (0–100)
ZIP code breakdown15 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 14901 | — | — | — | 13.6% | — |
| 14904 | — | — | — | 12.7% | — |
| 14872 | — | — | — | 9.3% | — |
| 14825 | — | — | — | 9.3% | — |
| 14903 | — | — | — | 8.1% | — |
Ranked by composite score
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Demographics
Owner-occupied
69.8%
Census ACS
Vacancy rate
10.8%
Census ACS
Bachelor's degree +
26.9%
Census ACS
Rent burdened
49.1%
Census ACS (>30% income)
Median age
41.9
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026