ZIP Code 13827 Housing Market
ZIP code 13827 is located in Tioga County, New York. Based on the FHFA House Price Index, the most recent annual HPI value is 262.5 (2000 = 100) , with a year-over-year change of +14.08% as of 2025.
📈 13827 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 13827, located within Tioga County, New York, demonstrates a robust upward trajectory over the recent five-year period. The Home Price Index (HPI), normalized to 100 in 2000, rose from 192.69 in 2021 to 262.53 in 2025. This progression indicates a cumulative appreciation of approximately 36.2% since 2021, with particularly strong momentum observed between 2023 and 2025. The most recent year-over-year increase of 14.08% underscores accelerating price growth, distinguishing the ZIP from its historical baseline and suggesting sustained demand relative to prior years. ZIP 13827 is currently outperforming both its immediate county and the broader state. While the county average year-over-year change stands at 12.37% and the state average is 3.55%, the ZIP’s 14.08% gain signals a localized divergence. This outperformance suggests that specific factors within this sub-market are driving higher appreciation rates than the regional norm. Compared to nearby ZIP 13732, which reports a higher HPI of 281.8 and a slightly stronger year-over-year gain of 15.62%, ZIP 13827 remains a competitive yet slightly less expensive alternative within the same county, indicating a tiered market structure where pricing varies significantly by location. The parent county’s American Community Survey data reveals a median home value of $160,800 and a median household income of $72,739. With an owner-occupancy rate of 79.1%, the area leans toward homeownership rather than renting. Given the HPI level and county income metrics, ZIP 13827 functions as an affordable, entry-level to mid-tier sub-market rather than a luxury segment. For prospective buyers, the combination of rapid appreciation and a high 7.40% national mortgage rate creates a challenging entry point. However, the ZIP’s price advantage over neighboring areas like 13732 may offer relative value for those seeking residential stability in Tioga County without the premium associated with higher-indexed zones.
About This ZIP Code
ZIP code 13827 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 |
|---|---|---|---|
| 13732 | 281.8 | +15.62% | 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.