Deposit, New York.
. Binghamton, NY metro.
to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- New York$2,755
- United States$1,922
Living in Deposit, Broome County, New York
Deposit is a village of 1,387 people in Broome County. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Broome County was 4.5% in August 2026, and the county had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Deposit is a small village in Broome County, in the hills of upstate New York. Winters are cold, with January the coldest month, and summers are pleasantly warm, with July the warmest. Rain and melted snow add up to a fair amount over the year, so the landscape stays green. Fewer adults here hold a four-year degree than is typical, and a good share of households live on incomes below the county's, with poverty more common than in many places. Most homes are lived in by their owners.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, manufacturing and shops close behind. Across Broome County, the largest workplaces include UHS Hospitals, Binghamton University and BAE Systems. A typical commute is a modest one rather than a long haul, and some residents work from home. Unemployment across the county is level with a year ago, and the county has added a few more jobs over the past year.
Things to do. Water is the main draw here. Columbia Lake and Oquaga Creek are in or beside town, and Russell Lake, a lake just a short drive away, offers another spot to fish or paddle. Oquaga Creek State Park, a protected area a short drive away, is the place for a longer walk among the hills.
Report a mistake
- 682households
- 14%of adults have a degree
- 28%below the poverty line
- 22 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Broome County had 83,845 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 16°; warmest in July, with highs near 82° and lows near 59°. About 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Deposit weather station, under a mile away (NOAA).
Largest workplaces in Broome County
- UHS HospitalsGeneral hospital4,034FTE
- UHS Wilson Medical CenterGeneral medical and surgical hospitals3,079
- Binghamton UniversityUniversity or college3,038
- Our Lady of Lourdes Memorial HospGeneral hospital2,158FTE
- BAE SystemsLoading printed circuit boards1,303
- Binghamton City School DistrictSchool district1,066FTE
- Union-endicott Central School DistrictSchool district749FTE
- Children's Home of Wyoming ConferenceOther residential care facilites728
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 189 workplaces with 20 or more staff, 25,878 people in all across the county; Deposit has two of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- Winter weatherRelatively moderate
- Cold wavesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Deposit’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Broome County and the Binghamton, NY metro.
Deposit home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Sellers are cutting prices on about 1 in 5 Deposit listings — the market is roughly in balance.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Deposit18
New listings per month
Sellers arriving at the market.
- Deposit5
Zip codes with a Deposit address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Deposit — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.