Median home value in zip code 13812 (Nichols, NY) is $160,406, up 3.3% year over year. Part of the Binghamton, NY metropolitan area.

Home Value$160,406

YoY Change

+3.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 13812 (Nichols).

Income (annual)

Down Payment

$32,081 on $160,406

Example: $75,000 household income. Change it above to see your own.

Affordable19.1% of income

Under the 28% guideline.

PITI$1,191

P/I19.1%

Afford$236K

Room+$75K

P&I $811Tax $230Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

13812 is part of the Binghamton, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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