Waverly, New York.
Typical home $169,897 (+3.0% in a year). Binghamton, NY metro.
to buy the typical home at today's mortgage rate — +$442 (+98%) since Jan 2020.
- 1 year
- Up $4,992 +3%
- $164,906$169,897 since Sep 2025
- 5 years
- Up $25,786 +18%
- $144,111$169,897 since Sep 2021
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.
- Waverly$892
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Waverly, NY rose 3.0% over the past year — faster than the nation's +1.2%.
Living in Waverly, Tioga County, New York
Waverly is a village of 4,373 people in Tioga County. Half its households earn more than $54,274 a year and half less, against $72,739 across Tioga County; 7% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Tioga County was 3.7% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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 It can be wrong or out of date.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. Waverly is a small village in Tioga County, in the Southern Tier of New York. Most homes are lived in by their owners, though somewhat fewer than across much of the country, and household incomes sit below the county's. Winters are cold, with January the coldest month and freezing nights, while July brings warm afternoons, and a fair amount of rain and melted snow falls through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by restaurants, hotels and entertainment, manufacturing, and shops. The largest workplaces in Waverly include the Waverly Central School District and Advanced Drainage Systems, which makes plastic pipe. Few people work from home, and the typical commute is short.
Things to do. The Chemung River is a short drive away, as is Wappasening Creek, and Cayuga Inlet and Cayuta Creek are also on the list of nearby waters, with Cayuta Creek in or beside town. A longer drive brings you to the Corning Museum of Glass, and to Watkins Glen International, a race track. Mt. Pisgah State Park is also a longer drive away for time outdoors.
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- 1,809households
- 13%of adults have a degree
- 7%below the poverty line
- 17 mintypical commute
- 2%work from home
What residents work in
Employed residents by industry, from the Census survey. Tioga County had 13,068 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 16°; warmest in July, with highs near 83° and lows near 58°. About 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Waverly weather station, a mile away (NOAA).
Largest workplaces in Waverly
- Waverly Central School DistrictSchool district273FTE
- 37 N Chemung Street Operating CompanyNursing homes229
- Advanced Drainage SystemsPlastic pipe manufacturing86
- Guthrie Home Health ofHome health agencies33
- Rynone Waverly Howard StreetCabinets, kitchen, stock or custom wood, manufacturing31
- 44 Ball Street Operating CompanyNursing homes20
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 399 people in all. School districts come 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
- LightningRelatively moderate
- Strong windRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waverly’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 Tioga County and the Binghamton, NY metro.
Waverly home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waverly$169,897
- New York$524,942
- United States$366,157
Sellers are cutting prices on about 1 in 8 Waverly listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
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.
- Waverly20
New listings per month
Sellers arriving at the market.
- Waverly6
Zip codes with a Waverly address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waverly — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.