1st Advantage MortgageBroome County households have a median income of $62,616 and median rent of $941 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's New York license first.
On this page
- Broome County at a glance
- What Broome County households earn
- Employment and commuting in Broome County
- Renting and owning in Broome County
- Broome County towns compared
- Broome County and the counties next door
- People and households in Broome County
- What the numbers mean for Broome County borrowers
- Debt-to-income at Broome County's medians
- Checklist for Broome County applicants
- Licensing and complaints for Broome County
- More guides for Broome County
- Frequently asked questions
Broome County at a glance
Roughly 197,378 residents live in Broome County, New York, 19th by population among the state's 62 counties and county equivalents. Packed into 706 square miles, that is close to 280 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Binghamton, NY metropolitan area. Binghamton is the biggest of its 12 Census places, at roughly 47,151 people (24% of the county total).
What Broome County households earn
The median household income in Broome County is $62,616; statewide it is $85,974, so Broome County runs 27% below New York as a whole. Only 58 New York counties post a higher median.
| Households earning | Broome County | +/- vs New York |
|---|---|---|
| Under $35,000 | 27.8% | +5.6 pts |
| $35,000 to $99,999 | 42.1% | +8.2 pts |
| $100,000 to $199,999 | 23.1% | -3.7 pts |
| $200,000 or more | 7.1% | -10.0 pts |
The spread is wide: 30% of Broome County households make $100,000 or more, and 28% make less than $35,000. 18.5% of residents fall below the federal poverty line (statewide: 14.0%). Income inequality, measured by the Gini index, comes to 0.471 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Broome County median.
Employment and commuting in Broome County
By the Census industry count, 33% of employed Broome County residents work in education and health care and 12% in retail trade. Manufacturing stands out: 9% of workers here, versus 6% statewide. Averaged over the five survey years, 7.1% of the labor force was out of work and looking. Long commutes are the exception here: 7% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Broome County workers | vs New York |
|---|---|---|
| Education and health care | 33.0% | +3.6 pts |
| Retail trade | 12.3% | +2.7 pts |
| Arts, lodging and food service | 9.6% | +1.5 pts |
| Manufacturing | 9.4% | +3.6 pts |
| Professional and administrative services | 8.6% | -4.7 pts |
| Public administration | 5.0% | +0.2 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Broome County should have bank statements and tax returns ready.
Renting and owning in Broome County
Renters in Broome County pay a median of $941 a month, 42% below the New York figure of $1,621. By the Census definition, 50% of Broome County renters are cost-burdened. Home values center on $154,900, or 2.5 years of median income. 65% of Broome County households own their home and 35% rent.
| Measure | Broome County | New York | Median U.S. county |
|---|---|---|---|
| Median gross rent | $941/mo | $1,621/mo | $877/mo |
| Median home value | $154,900 | $423,800 | $185,300 |
| Owners | 65% | 54% | 75% |
| Rent-burdened renters | 50% | 52% | 45% |
| Burdened owners | 20% | 33% | n/a |
| Mobile homes | 4.4% | 2.1% | n/a |
| Vacant units | 12% | 10% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Broome County towns compared
Here are the 12 most populous of the county's 12 Census places, with income and rent from the same 2020 to 2024 survey. About 52% of Broome County residents live in one of the 12. Chenango Bridge has the highest median household income on the list ($96,250) and Whitney Point the lowest ($45,536), counting places with at least 500 residents. Rent is cheapest in Windsor ($600) and steepest in Chenango Bridge ($1,134). None of the 12 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Binghamton | city | 47,151 | $45,578 | $870 | 6 mi |
| Johnson City | village | 14,940 | $56,283 | $1,031 | 7 mi |
| Endicott | village | 13,387 | $47,290 | $853 | 13 mi |
| Endwell | CDP | 11,546 | $82,726 | $919 | 10 mi |
| Binghamton University | CDP | 7,449 | n/a | n/a | 9 mi |
| Chenango Bridge | CDP | 3,116 | $96,250 | $1,134 | 2 mi |
| Port Dickinson | village | 1,635 | $69,375 | $898 | 4 mi |
| Deposit | village | 1,424 | $48,214 | $717 | 22 mi |
| Windsor | village | 1,128 | $72,794 | $600 | 11 mi |
| Whitney Point | village | 965 | $45,536 | $832 | 14 mi |
| Glen Aubrey | CDP | 311 | $70,882 | n/a | 11 mi |
| Lisle | village | 239 | $73,750 | n/a | 16 mi |
A CDP is a named community without its own municipal government.
Broome County and the counties next door
Susquehanna County is closest, 24 miles from center to center; the sixth, Bradford County, is 43 miles off. Tompkins County leads the group on income ($74,024), Chenango County trails ($62,948), and Broome County out-earns 0 of the six. Some neighbors are in Pennsylvania. Lender licensing is state by state, so a loan for a Broome County resident follows New York rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Broome County | - | $62,616 | $941/mo | 65% |
| Susquehanna County, PA | 24 mi | $68,487 | $933/mo | 78% |
| Tioga County, NY | 24 mi | $72,739 | $928/mo | 79% |
| Chenango County, NY | 25 mi | $62,948 | $875/mo | 75% |
| Cortland County, NY | 32 mi | $70,418 | $984/mo | 66% |
| Tompkins County, NY | 39 mi | $74,024 | $1,411/mo | 54% |
| Bradford County, PA | 43 mi | $63,675 | $901/mo | 72% |
People and households in Broome County
College graduates make up 31% of the adult population. 3.4% of residents have no health coverage.
| Indicator | Broome County | All of New York | U.S. county median |
|---|---|---|---|
| Median age | 39.2 | 39.8 | 41.5 |
| Bachelor's or higher | 31.0% | 40.2% | 22.2% |
| No high school diploma | 8.6% | 12.0% | n/a |
| No health insurance | 3.4% | 5.1% | 7.8% |
| No vehicle | 13.5% | 29.2% | 5.4% |
| Work from home | 9.6% | 14.9% | 8.7% |
| Poverty rate | 18.5% | 14.0% | 13.2% |
| Unemployment (ACS) | 7.1% | 6.4% | 4.4% |
| One-way commute | Share of Broome County workers |
|---|---|
| Under 15 min | 40.8% |
| 15 to 29 min | 42.5% |
| 30 to 44 min | 9.4% |
| 45 to 59 min | 2.7% |
| 60+ min | 4.6% |
What the numbers mean for Broome County borrowers
Based on the Broome County data above, these borrowing questions are most likely to matter locally.
- 18% below poverty. Emergency aid, payment plans and counseling (list) come first.
- 50% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Debt-to-income at Broome County's medians
How much room does a median Broome County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,218 before taxes
- Rent at the median, $941, takes 18% of that
- $885: what a 35% ratio leaves once rent is paid
- $1,407: what a 45% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Checklist for Broome County applicants
Steps that save money for Broome County residents:
- Price the Broome County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for New York borrowers.
- Confirm the first due date before setting up autopay.
Licensing and complaints for Broome County
Before sharing details with a lender, a Broome County resident can confirm its license with the New York State Department of Financial Services. The Consumer Financial Protection Bureau accepts complaints nationwide. See the New York state guide for the statewide picture.
More guides for Broome County
For statewide rules and data, see the New York guide.
Frequently asked questions
Is Broome County a high-income county?
Its $62,616 median ranks 59th of 62 New York counties and compares with $65,681 for the median U.S. county.
How much is rent in Broome County?
Median gross rent, utilities included, is $941 a month; 50% of renters spend 30% or more of income on it.
What are the biggest places in Broome County?
By population: Binghamton, Johnson City, Endicott, Endwell, Binghamton University. The county has 12 Census places in all.
Does living in Broome County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Broome County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Broome County check a lender's license?
With the New York State Department of Financial Services. If a lender is unlicensed or asks for a fee before funding, walk away.