Earlville: Housing & Real Estate
The median Earlville home is valued at $134,400 (estimated market value runs 11% higher at $148,628), with median rent $1,242 (1.3× higher than Madison County median $928; 1.3× below New York median $1,621). Homeownership rate: 74.1%. That's 1.4× below the Madison County median ($184,600); 3.2× below the New York median ($423,800). Market is warm. Vacancy rate 22.8%. New construction makes up 3.0% of stock. A municipal building code is in effect.
- 1.8× annual income — home value vs. household income (vs New York 9.7×).
- 9.0 years to break even renting at the median (vs New York 36y).
- 4-BR rent is 1.7× a studio — rent gradient by unit size.
- Median rent runs 27% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $134,400 — 0.2× the New York median ($777,600). Median rent $1,242/month. homeownership rate 74.1% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 1.8× |
|---|---|
| Affordability · Rent To Income Pct | 19.7% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $848 (vs New York $2,529) |
| Fair Market Rent · One-bedroom rent | $855 (vs New York $2,655) |
| Fair Market Rent · Two-bedroom rent | $973 (vs New York $2,910) |
| Fair Market Rent · Three-bedroom rent | $1,353 (vs New York $3,644) |
| Fair Market Rent · Four-bedroom rent | $1,482 (vs New York $3,959) |
| Fair Market Rent · HUD FMR area | Chenango County, NY |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $148,628 |
| Median Home Value | $134,400 (vs New York $777,600) |
| Median Rent | $1,242 (vs New York $1,821) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 22.8% |
| Housing Market · New construction (% of stock) | 3.0% |
| Housing Market · Price Appreciation 2Yr | 14.9% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at New York median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at New York median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at New York median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% (vs New York 0.6%) |
| Broadband · Broadband-capable premises | 434 |
| Electricity · Electricity rate (¢/kWh) | 24.43¢/kWh |
| Electricity · Customers | 7420214 |
| Electricity · Revenue Millions | $12,424 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 1.000000000 (at New York median) |
| Mobile Broadband · 5G mobile coverage | 1.000000000 (at New York median) |
| Mobile Home Parks Detail · County total | 4 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 1 |
|---|---|
| Ev Charging · Public Stations | 1 |
| Ev Charging · L2 Ports | 2 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 74.1% (vs New York 32.8%) |
|---|---|
| Median Year Built | 1938 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12