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Binghamton, NY

Cost of living in Tioga County, NY

Part of the Binghamton Metro Area

Estimated monthly cost
$3,131/mo
for a single person, all categories combined

Population 48,106 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $939 30%
Federal tax $541 17%
Healthcare $480 15%
Groceries $404 13%
Transport $320 10%
Energy $208 7%
State tax $184 6%
Water $55 2%

Rent in Tioga County

Fair Market Rents by bedroom count.

Studio
$869
per month
1 bedroom
$939
per month
2 bedroom
$1,188
per month
3 bedroom
$1,533
per month
4 bedroom
$1,752
per month

Source: HUD FMR FY2025

Income and earnings in Tioga County

Annual earnings figures from the Census ACS.

Household income
$71,791
per year
Individual earnings
$43,137
per year
Per capita
$41,155
per year

Source: ACS 2019-2023 5-Year.

Home values in Tioga County

Average values reported by homeowners.

Average home value
$153,200
Annual property tax
$3,750

Source: ACS 2019-2023 5-Year

Energy costs in Tioga 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 Tioga County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.6%

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 Tioga 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 Tioga County

Commute patterns and estimated costs.

Average commute
24.0 min
Drive alone
81.1%
Public transit
0.3%
Work from home
9.1%

Source: ACS

Monthly cost estimates for Tioga County

What it costs to live in Tioga County each month.

Single person
$3,131
per month
  • Rent $939
  • Energy $208
  • Water $55
  • Groceries $404
  • Transport $320
  • Healthcare $480
  • Federal tax $541
  • State tax $184
Couple
$4,616
per month
  • Rent $1,188
  • Energy $250
  • Water $65
  • Groceries $669
  • Transport $420
  • Healthcare $864
  • Federal tax $845
  • State tax $315
Family
$7,166
per month
  • Rent $1,533
  • Energy $312
  • Water $75
  • Groceries $1,016
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $845
  • State tax $315

Frequently asked questions about Tioga County

Common questions about cost of living, rent and salary.

What is the average rent in Tioga County?

In Tioga County, NY, a one-bedroom apartment averages $939 per month, a two-bedroom averages $1,188 per month, a three-bedroom averages $1,533 per month, according to HUD Fair Market Rent data.

What is the average salary in Tioga County?

In Tioga County, NY, the average household income is $71,791 per year and individual earnings for full-time workers average $43,137 per year, according to U.S. Census Bureau data.

What is the cost of living in Tioga County?

The estimated cost of living in Tioga County, NY is approximately $3,131 per month for a single person, $4,616 for a couple, $7,166 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Tioga County?

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

Is Tioga County an affordable place to live?

Based on the data, a single person in Tioga County, NY would need approximately $3,131 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $71,791 per year ($5,983 per month). Tioga County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Tioga County?

The ACA marketplace benchmark premium in Tioga County, NY is approximately $480 per month for an individual. Approximately 2.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Tioga County?

The average home value in Tioga County, NY is $153,200, with average annual property taxes of $3,750, according to U.S. Census Bureau data.

How does Tioga County compare to other areas?

You can compare Tioga County, NY with any other US county using our comparison tool at /compare. Tioga County is in the Binghamton, 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 Tioga 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