ZIP Code 13732 Housing Market
ZIP code 13732 is located in Tioga County, New York. Based on the FHFA House Price Index, the most recent annual HPI value is 281.8 (2000 = 100) , with a year-over-year change of +15.62% as of 2025.
📈 13732 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
ZIP 13732's FHFA HPI rose from 191.72 in 2021 to 281.8 in 2025, a 47.0% cumulative gain across four years. The path was uneven: 2022 posted a 14.8% jump, 2023 slowed to 3.2%, 2024 recovered to 7.3%, and 2025 accelerated to 15.62%. That final-year reading is the strongest in the series shown, placing the index nearly 182 points above its 2000 baseline. The ZIP diverges sharply from broader benchmarks. Its +15.62% year-over-year change exceeds Tioga County's +12.37% and far outpaces New York State's +3.55%. Neighboring ZIP 13827 (HPI 262.5, +14.08%) shows similar county-level momentum, indicating that 13732's outperformance reflects concentrated local demand rather than an isolated data artifact. The state figure, by contrast, suggests downstate and urban markets are cooling while this upstate submarket continues to appreciate. The parent county's ACS profile — median home value $160,800, median gross rent $928, median household income $72,739, and 79.1% owner occupancy — describes an owner-dominated, moderate-income market rather than a luxury or renter-heavy one. Combined with an HPI of 281.8, the ZIP represents an entry-to-mid-tier segment where prices have roughly tripled nominally since 2000. Prospective buyers should note the tension between rapid appreciation and a 7.40% mortgage rate, which raises monthly carrying costs; residents should expect a thin, owner-occupied inventory base with limited rental alternatives.
About This ZIP Code
ZIP code 13732 is one of the most active real estate sub-markets in Tioga County, New York. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Tioga County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Tioga County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 13827 | 262.5 | +14.08% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.