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Elmira, NY

Cost of living in Chemung County, NY

Part of the Elmira Metro Area

Estimated monthly cost
$3,115/mo
for a single person, all categories combined

Population 82,805 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $978 31%
Federal tax $498 16%
Healthcare $480 15%
Groceries $404 13%
Transport $320 10%
Energy $208 7%
State tax $172 6%
Water $55 2%

Rent in Chemung County

Fair Market Rents by bedroom count.

Studio
$960
per month
1 bedroom
$978
per month
2 bedroom
$1,283
per month
3 bedroom
$1,628
per month
4 bedroom
$1,719
per month

Source: HUD FMR FY2025

Income and earnings in Chemung County

Annual earnings figures from the Census ACS.

Household income
$63,469
per year
Individual earnings
$40,518
per year
Per capita
$35,624
per year

Source: ACS 2019-2023 5-Year.

Home values in Chemung County

Average values reported by homeowners.

Average home value
$132,100
Annual property tax
$3,332

Source: ACS 2019-2023 5-Year

Energy costs in Chemung County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 23.4¢/kWh
Natural gas
$68
per month
Annual total
$2,496
per year

Source: EIA

Healthcare in Chemung County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Chemung County

State and local tax rates for New York.

State income tax
10.9%
Top marginal rate
State sales tax
4.0%
Combined sales tax
8.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Chemung County

Commute patterns and estimated costs.

Average commute
19.7 min
Drive alone
79.4%
Public transit
1.5%
Work from home
7.1%

Source: ACS

Monthly cost estimates for Chemung County

What it costs to live in Chemung County each month.

Single person
$3,115
per month
  • Rent $978
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $498
  • State tax $172
Couple
$4,537
per month
  • Rent $1,283
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $709
  • State tax $277
Family
$7,087
per month
  • Rent $1,628
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $709
  • State tax $277

Frequently asked questions about Chemung County

Common questions about cost of living, rent and salary.

What is the average rent in Chemung County?

In Chemung County, NY, a one-bedroom apartment averages $978 per month, a two-bedroom averages $1,283 per month, a three-bedroom averages $1,628 per month, according to HUD Fair Market Rent data.

What is the average salary in Chemung County?

In Chemung County, NY, the average household income is $63,469 per year and individual earnings for full-time workers average $40,518 per year, according to U.S. Census Bureau data.

What is the cost of living in Chemung County?

The estimated cost of living in Chemung County, NY is approximately $3,115 per month for a single person, $4,537 for a couple, $7,087 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Chemung County?

The combined sales tax rate in Chemung County, NY is 8.52%, which includes the New York state rate of 4.00% plus an average local rate of 4.52%.

Is Chemung County an affordable place to live?

Based on the data, a single person in Chemung County, NY would need approximately $3,115 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,469 per year ($5,289 per month). Chemung County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Chemung County?

The ACA marketplace benchmark premium in Chemung County, NY is approximately $480 per month for an individual. Approximately 4.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Chemung County?

The average home value in Chemung County, NY is $132,100, with average annual property taxes of $3,332, according to U.S. Census Bureau data.

How does Chemung County compare to other areas?

You can compare Chemung County, NY with any other US county using our comparison tool at /compare. Chemung County is in the Elmira, NY metro area.

Other counties in New York

Browse the full list of counties in New York, ranked by cost of living.

See all counties in New York

Compare Chemung County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources