Median Income
$126,250
68% higher than US avg
Home Value
$209,700
26% lower than US avg
Violent Crime
660/100K
74% higher than US avg
Bachelor's+
49.9%
48% higher than US avg
Obesity Rate
28.3%
12% lower than US avg
Unemployment
0.7%
81% lower than US avg
Poverty Rate
0.9%
93% lower than US avg
How Tioga Terrace Compares to the U.S. Average (100% = U.S. avg)
People
Population2,206
Median Age45.5 yrs
Density2,206/mi²
Male / Female55% / 46%
Largest GroupWhite 91%
Veterans6.2%
Economy
A+
Median Income$126,250
Per Capita$60,493
Unemployment0.7%
Poverty0.9%
County GDP$2,022M
Commute21 min
Housing
A+
Home Value$209,700
Ownership99.1%
Zillow$222,067
Housing Units901
Rent Burden29.2%
Crime
F
Violent660/100K
Property4,430/100K
Health
Obesity28.3%
Uninsured4.7%
Smoking10.9%
Depression21.6%
Heart Disease4.7%
Climate
Avg Temp48°F (9°C)
AQI36 (Good)
Sunny Days261/yr
Elevation976 ft (297 m)
Education
A+
Bachelor's+49.9%
High School+97.5%
Graduate+28.2%
School Score5.21
Community
2024 VoteR 61% / D 39%
Commute21 min
Broadband99.1%
EV Stations4
Libraries8
Is Tioga Terrace a Good Place to Live?
Based on current data, Tioga Terrace receives an overall livability score of 4.0 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, low unemployment, a highly educated population, affordable housing. Areas to be aware of include elevated crime rates. Tioga Terrace stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Tioga Terrace is $126,250, which is significantly higher than the national average / 68% above $75,149. This places Tioga Terrace among higher-income communities. The job market is very strong with unemployment at just 0.7%. Only 0.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Tioga Terrace is $209,700, 26% below the national median / offering relatively affordable homeownership. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
With 660 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 4,430 per 100,000, 126% above the national average.
Education
Educational attainment is solid, with 49.9% holding a bachelor's degree or higher, near the national average. 97.5% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Tioga Terrace experiences four distinct seasons with an average temperature of 48°F. Winters average 24°F in January while summers reach 70°F in July. With 261 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 36.
Tioga Terrace has a population of 2,206 with a density of 2,206 people per square mile, spread across 1.0 square miles. The median age is 45.5 years, 17% older than the national median of 38.9. The gender split is 45.5% female and 54.5% male. The city is predominantly White (91.3%), with 1.9% Black. English is the primary language spoken at home by 99.5% of residents. 6.2% of the population are veterans. 6.6% of residents have a disability (below the 13.0% national average). 99.5% have health insurance coverage.
Population
45.5yrs
Median Age
17% above US avg
Race & Ethnicity
Tioga Terrace vs U.S. Average
Language Spoken at Home
English Only
99.5%
27% above US avg
Spanish
0.5%
96% below US avg
Social Characteristics
Tioga Terrace vs U.S. Average
The median household income in Tioga Terrace is $126,250, which is 68% above the national average of $75,149. Per capita income is $60,493 (above the $39,052 national figure). The average weekly wage is $1,292. The unemployment rate is 0.7% (below the 3.6% US average). 0.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 890 business establishments, including 78 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 12.2% of workers work from home.
Income: Tioga Terrace vs U.S.
Income
| Median HH Income | $126,250 |
| 68% above US avg |
| Per Capita Income | $60,493 |
| Avg Weekly Wage | $1,292 |
| IRS Avg AGI | $68,102 |
| Gini Index | 0.432 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.7% |
| 81% below US avg |
| Poverty Rate | 0.9% |
| 93% below US avg |
| Establishments (County) | 890 |
| County GDP | $2,022M |
Business (County)
| Restaurants | 78 |
| Healthcare | 87 |
| Retail | 125 |
| Manufacturing | 37 |
Tax & Cost of Living
| Property Tax (IRS) | $6,725 |
| 92% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 3.21% |
Commute & Transportation
| Commute Time | 20.6 min |
| Drive Alone | 77.2% |
| Public Transit | 0.0% |
| Work from Home | 12.2% |
The median home value in Tioga Terrace is $209,700, 26% below the national median of $281,900. Zillow estimates the typical home value at $222,067. Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 99.1% of housing units are owner-occupied (above the 65.4% national rate). There are 901 total housing units in the city. The median year a home was built is 1969. The average annual property tax is $6,725 (higher than the $3,500 national average). 29.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $209,700 |
| 26% below US avg |
| Zillow ZHVI | $222,067 |
| Median List Price | $130,000 |
Real Estate Market (Redfin)
| Median List Price | $130,000 |
| $/Sq Ft | $99 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 100.0% |
| Price Drops | 100.0% |
| Inventory | 1 |
Rental Costs
HUD Fair Market Rent
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
Ownership & Property
| Homeownership | 99.1% |
| Owner-Occupied | 99.1% |
| Renter-Occupied | 0.9% |
| Housing Units | 901 |
| Median Year Built | 1969 |
Property Tax
| Avg Tax (IRS) | $6,725 |
| 92% above US avg |
| Effective Rate | 3.21% |
In Tioga Terrace, 28.3% of adults are obese, below the national rate of 32.1%. 7.5% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 28.0% have high blood pressure. 10.9% are current smokers (below the 14.0% national rate). 19.8% report binge drinking. 19.8% are physically inactive, below the national average. 21.6% report depression. 16.2% experience frequent mental distress. 4.7% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:3,691. The dentist ratio is 1:5,972. 64.0% of residents have access to exercise opportunities. The food environment index is 8.9 out of 10.
Health Metrics: Tioga Terrace vs U.S. Average (%)
Chronic Conditions
| Obesity | 28.3% |
| 12% below US avg |
| Diabetes | 7.5% |
| Heart Disease | 4.7% |
| High Blood Pressure | 28.0% |
| Asthma | 10.8% |
| COPD | 4.9% |
| Cancer | 7.8% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 10.9% |
| 22% below US avg |
| Binge Drinking | 19.8% |
| Physical Inactivity | 19.8% |
| Depression | 21.6% |
| Mental Distress | 16.2% |
| Physical Distress | 11.0% |
| Short Sleep | 38.7% |
Healthcare Access
| Insurance Rate | 99.5% |
| Uninsured | 4.7% |
| 45% below US avg |
| Primary Care | 1:3,691 |
| Dentists | 1:5,972 |
| Mental Health | 1:555 |
| Checkup Rate | 78.8% |
| Dental Visits | 68.0% |
| Premature Death | 6,676/100K |
Food & Exercise
| Food Environment | 8.9/10 |
| Exercise Access | 64.0% |
| Healthcare Facilities | 87 |
Tioga Terrace has a violent crime rate of 660 per 100,000 residents, 74% above the national average of 380. Property crime stands at 4,430 per 100,000, 126% above the U.S. average. The county recorded 4 fatal traffic crashes. Overall, Tioga Terrace receives a safety grade of F.
Crime Rates: Tioga Terrace vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 659.8/100K |
| 74% above US avg |
| |
Property Crime
| Total Property | 4,430.1/100K |
| 126% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Tioga Terrace experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 24°F in January while summers reach 70°F in July. The area gets 261 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 976 feet.
Temperature
24°F Jan (-4°C)
70°F Jul (21°C)
| Annual Average | 47.7°F |
| 12% below US avg |
| January Average | 24°F (-4°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 261 days/yr |
Geography
| Elevation | 976 ft (297 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 2,206/sq mi |
| Coordinates | 42.0507°N, 76.1197°W |
| Timezone | America/New_York |
| County | Tioga County County |
| Nearest Airport | Ithaca Tompkins International (ITH)
35 miles away |
Precipitation & Snow
Wettest Month (Jun)
3.90"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 59.9 / 100 |
| Social Vulnerability | 48.1 / 100 |
| Community Resilience | 73.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M2.8 on Jun 10, 2025.
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
135 km |
| Feb 3, 2001 |
6 km W of Bath, New York |
M3.2 |
110 km |
| Jun 10, 2025 |
10 km NW of Forksville, Pennsylvania |
M2.8 |
71 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Gloria (1985, Cat 1).
| Year |
Name |
Category |
Closest |
| 1985 |
Gloria |
Category 1 |
275 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
168 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 7 fatalities, 83 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1998 |
EF3 |
48 km |
2 |
| May 31, 1998 |
EF3 |
99 km |
0 |
| May 31, 1998 |
EF3 |
3 km |
0 |
| May 2, 1983 |
EF3 |
46 km |
0 |
| May 2, 1983 |
EF3 |
34 km |
0 |
| Aug 30, 1955 |
EF3 |
73 km |
0 |
| Apr 14, 2019 |
EF2 |
99 km |
0 |
| Jun 13, 2018 |
EF2 |
93 km |
0 |
| Jun 13, 2018 |
EF2 |
60 km |
0 |
| Feb 25, 2017 |
EF2 |
94 km |
0 |
| Jul 8, 2014 |
EF2 |
63 km |
0 |
| Apr 28, 2011 |
EF2 |
63 km |
0 |
| Apr 27, 2011 |
EF2 |
50 km |
0 |
| Jul 23, 2010 |
EF2 |
75 km |
0 |
| May 16, 2009 |
EF2 |
77 km |
0 |
| May 31, 1998 |
EF2 |
76 km |
0 |
| Sep 18, 1991 |
EF2 |
57 km |
0 |
| Aug 28, 1990 |
EF2 |
79 km |
0 |
| Oct 14, 1989 |
EF2 |
58 km |
2 |
| Aug 28, 1988 |
EF2 |
54 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: PENOBSCOT (2,091 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
PENOBSCOT |
2,091 |
98 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-4°C) |
2.4 in |
Coldest |
| February |
25°F (-4°C) |
2.4 in |
Driest |
| March |
34°F (1°C) |
2.9 in |
|
| April |
45°F (7°C) |
3.4 in |
|
| May |
56°F (13°C) |
3.6 in |
|
| June |
65°F (18°C) |
3.9 in |
Wettest |
| July |
70°F (21°C) |
3.7 in |
Warmest |
| August |
68°F (20°C) |
3.4 in |
|
| September |
60°F (16°C) |
3.6 in |
|
| October |
49°F (10°C) |
3.1 in |
|
| November |
39°F (4°C) |
3.4 in |
|
| December |
29°F (-2°C) |
3.0 in |
|
Tioga Terrace has a seasonal temperature swing of 46°F / from 24°F in January to 70°F in July. Total annual precipitation is 38.7 inches, with June being the wettest month (3.9") and February the driest (2.4").
Average costs for common services in Tioga Terrace. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$270 ($162–$432) |
| Specialist Visit |
$378 ($216–$593) |
| Urgent Care Visit |
$216 ($108–$378) |
| Emergency Room Visit |
$2,374 ($863–$5,395) |
| Dental Cleaning |
$140 ($81–$216) |
| Dental Filling |
$270 ($162–$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27–$81) |
| Oil Change (Synthetic) |
$81 ($54–$129) |
| Brake Pad Replacement |
$324 ($162–$540) |
| Tire Rotation |
$43 ($22–$81) |
| New Tires (Set of 4) |
$647 ($432–$1,079) |
| Battery Replacement |
$216 ($108–$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65–$162) |
| Electrician (Per Hour) |
$97 ($54–$151) |
| HVAC Repair |
$432 ($162–$863) |
| HVAC System Install |
$7,553 ($4,316–$12,948) |
| Roof Repair |
$1,079 ($432–$2,158) |
| Roof Replacement |
$9,711 ($5,935–$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540–$3,777) |
| Divorce (Contested) |
$16,185 ($5,395–$32,370) |
| DUI Defense |
$5,395 ($2,158–$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863–$3,237) |
| Will Preparation |
$540 ($216–$1,079) |
| Trust Preparation |
$2,698 ($1,079–$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16–$49) |
| Women's Haircut |
$59 ($32–$108) |
| Hair Coloring (Full) |
$162 ($81–$270) |
| Manicure |
$27 ($16–$49) |
| Pedicure |
$43 ($27–$70) |
| Massage (1 Hour) |
$86 ($54–$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24–$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70–$5.40) |
| Loaf of Bread |
$4.10 ($2.70–$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24–$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32–$8.09) |
| Rice (per lb) |
$1.08 ($0.65–$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86–$270) |
| Natural Gas (Monthly) |
$76 ($32–$162) |
| Water/Sewer (Monthly) |
$76 ($43–$129) |
| Internet (Monthly) |
$76 ($43–$108) |
| Cell Phone Plan (Monthly) |
$70 ($32–$108) |
| Cable TV (Monthly) |
$92 ($54–$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81–$540) |
| Car Insurance (Annual) |
$2,158 ($1,295–$3,777) |
| Bus Pass (Monthly) |
$76 ($32–$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63–$27) |
| Car Registration (Annual) |
$108 ($32–$270) |
| Driver's License Renewal |
$32 ($16–$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647–$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540–$2,158) |
| After-School Care (Monthly) |
$432 ($216–$755) |
| Tutoring (Per Hour) |
$54 ($27–$108) |
| SAT/ACT Prep Course |
$1,079 ($432–$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395–$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32–$108) |
| Dog Vaccination (Annual) |
$108 ($54–$216) |
| Dog Grooming |
$65 ($32–$108) |
| Pet Boarding (Per Night) |
$43 ($22–$81) |
| Dog Spay/Neuter |
$324 ($162–$540) |
| Cat Spay/Neuter |
$216 ($108–$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $996 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $823 |
| Toddler | $779 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Tioga Terrace
What is the population of Tioga Terrace?
Tioga Terrace has a population of 2,206 residents and is located in New York. The population density is 2,206 people per square mile, spread across 1.0 square miles. The median age of residents is 45.5 years, which is older than the national median of 38.9 years. The population is 45.5% female and 54.5% male.
Is Tioga Terrace expensive to live in?
Tioga Terrace is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $126,250, 68% above the national average of $75,149. The median home value is $209,700 (26% below the U.S. median). The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Tioga Terrace safe?
Public safety is a concern in Tioga Terrace, with a violent crime rate of 660 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 4,430 per 100,000 (above the national average). Overall, Tioga Terrace receives a safety grade of F based on combined crime data.
What is the weather like in Tioga Terrace?
Tioga Terrace has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 24°F in January, while summers reach an average of 70°F in July. The area receives 261 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Tioga Terrace?
The job market in Tioga Terrace is very strong, with unemployment at just 0.7% / well below the national rate of 3.6%. The average weekly wage is $1,292. There are 890 business establishments in the area, including 78 restaurants and food service locations. The average commute time is 21 minutes, and 12.2% of workers work from home.
How much does housing cost in Tioga Terrace?
The median home value in Tioga Terrace is $209,700. Zillow estimates the typical home value at $222,067. The homeownership rate is 99.1%. The average annual property tax is $6,725.
How are the schools in Tioga Terrace?
Schools in Tioga Terrace score 5.2 out of 10 on standardized testing, near the national average. 49.9% of adults in Tioga Terrace hold a bachelor's degree or higher, above the national average of 33.7%. 97.5% have completed high school. 28.2% hold a graduate or professional degree.
How healthy is Tioga Terrace?
The obesity rate in Tioga Terrace is 28.3% (below the national rate of 32.1%). 10.9% of adults are smokers. 19.8% are physically inactive. 21.6% of residents report depression. 4.7% lack health insurance (below the national rate). 64.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,691.
What is transportation like in Tioga Terrace?
The average commute in Tioga Terrace is 21 minutes, shorter than the national average of 28 minutes. 77.2% of workers drive alone to work, and 12.2% work from home.
What are the demographics of Tioga Terrace?
The racial and ethnic makeup of Tioga Terrace is 91.3% White, 1.9% Black or African American. 99.5% of residents speak only English at home. 6.2% of the population are military veterans. 6.6% of residents have a disability. 99.5% have health insurance coverage.
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