Whitesboro, NY—13492
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Whitesboro, NY
As of Oct '25, the median home price in Whitesboro, NY is $256,000, with a year-over-year change of 7.1%. This indicates that home prices in Whitesboro, NY are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $256,000 | 7.1% |
| Single Family | $256,000 | 7.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $190,000 | 8.0% |
3 Bed | $239,000 | 7.2% |
4 Bed | $353,000 | 7.6% |
| 5 Bed | $361,000 | 6.5% |
% of Housing Stock
Rental Trends — Whitesboro, NY
As of July '25, Rentcast reports the average rent in Whitesboro, NY is $1,760, with a year-over-year rent change of 20.5%. Per bedroom, the median rent as of July '25 in Whitesboro, NY is studios: $762, 1-bedrooms: $1,750, 2-bedrooms: $2,070, 3-bedrooms: $2,000, 4-bedrooms: $2,650. The most common rental property sizes in Whitesboro, NY are 2-bedroom and 1-bedroom, accounting for 49.1% and 33.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $1,760 |
| Studio Rent | $750 | $762 |
| 1 Bed Rent | $995 | $1,750 |
| 2 Bed Rent | $2,300 | $2,070 |
| 3 Bed Rent | $2,000 | $2,000 |
| 4 Bed Rent | $2,650 | $2,650 |
% of Rental Stock
Property Listings — Whitesboro, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Whitesboro, NY is 32. This is a decrease of -20.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $299,000 | 14.0% |
Listing Count | 35 | -4.0% |
| Listings as % of Homes | 0.3% | -4.0% |
Days on Market | 32 | -20.0% |
Demographics — Whitesboro, NY
As of the latest ACS Survey released in 2023, Whitesboro, NY has a population of 11,200, which has remained stable by -0.3% over the past 5 years. Whitesboro, NY is a moderately popular place for families, as children make up 21.8% of the population. The area has a moderately educated workforce, with 37.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,200 | -0.3% |
% Under 18 | 21.8% | 17.8% |
% Seniors | 20.8% | 3.0% |
% WFH | 8.4% | 104.9% |
% w/ College Degree | 37.0% | 2.8% |
As of the latest ACS Survey released in 2023, Whitesboro, NY is a predominantly white area, with 91.5% of the population identifying as white. The white population has shrunk by 2.7% in the last 5 years. The second most common race or ethnicity in Whitesboro, NY is hispanic, making up 3.4% of the population. Foreign-born residents account for 2.6% of the population in Whitesboro, NY, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.5% | -2.7% |
% Black | 2.2% | 340.0% |
% Hispanic | 3.4% | 112.5% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 2.6% | 0.0% |
Mortgage and Risk — Whitesboro, NY
According to HUD data as of 2023, there were 214 mortgage originations in Whitesboro, NY, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Whitesboro, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 214 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Whitesboro, NY
As of 2024, the percent of homes in Whitesboro, NY under the Section 8 program is 15.9%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Whitesboro, NY, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 167 |
Total Units Section 8 | 168 |
% Rentals under Section 8 | 15.9% |
% Occupied Section 8 | 80.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $15 | $995 | $1,010 |
| 2 Bedroom | -$1,040 | $2,300 | $1,260 |
| 3 Bedroom | -$480 | $2,000 | $1,520 |
| 4 Bedroom | -$860 | $2,650 | $1,790 |
Affordability — Whitesboro, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $256,000 |
| Median Household Income | $84,500 |