HomeNew YorkChemung CountyElmira
Elmira, New York: commercial real estate data.
Elmira is a Census city of 26,257 people across 7.25 square miles of land, in Chemung County. Median household income is $43,120, 50.1 percent of occupied homes are owned, and the SBA record carries 36 7(a) approvals to borrowers here worth $5.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elmira
What Elmira is
- Census place typecity
- Land area7.25 sq mi
- Water area0.33 sq mi
- Population per square mile of land3,621
- County holding the largest share of its areaChemung County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elmira
How many people live in Elmira
- Population26,257
- Median age36.5
- Population under 185,922
- Share under 1822.6 percent
- Population 65 and over4,114
- Share 65 and over15.7 percent
- Households10,532
- Family households5,612
- Share of households that are families53.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elmira
Income and work in Elmira
- Median household income$43,120
- Per capita income$23,686
- Civilian labor force10,806
- Employed9,732
- Unemployed1,074 plus or minus 239
- Unemployment rate9.9 percent plus or minus 2.2
- Adults 25 and over17,529
- Adults 25 and over with a high school diploma or higher81.9 percent
- Adults 25 and over with a bachelor degree or higher18.1 percent
- Adults 25 and over with a graduate degree8.0 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elmira
Housing in Elmira
- Housing units12,676
- Occupied units10,532
- Vacant units2,144
- Vacancy rate16.9 percent
- Owner occupied5,281
- Renter occupied5,251
- Ownership rate50.1 percent
- Median owner-occupied home value$93,000
- Median gross rent, monthly$909
- Annual rent as a share of median income25.3 percent
- Single family units6,731
- Share single family53.1 percent
- Units in buildings of two or more5,799
- Share in buildings of two or more45.7 percent
- Mobile homes137 plus or minus 89
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elmira
How Elmira gets to work
- Workers 16 and over who commute8,527
- Commuting under 15 minutes4,119
- Share commuting under 15 minutes48.3 percent
- Commuting 30 minutes or more1,567
- Share commuting 30 minutes or more18.4 percent
- Drove alone66.5 percent
- Carpooled9.8 percent plus or minus 2.6
- Public transport3.8 percent plus or minus 1.6
- Walked5.8 percent plus or minus 1.8
- Worked from home10.3 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elmira
SBA loans in Elmira (7(a))
- Approvals36
- Gross approval$5,712,500
- Average approval$158,681
- Median approval$128,600
- Ninetieth percentile approval$347,500
- Largest approval$632,500
- Jobs supported246
- Jobs per approval6.8
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises2.8 percent
- Distinct lenders12
- Distinct industries by NAICS22
Counted by borrower city: approvals to borrowers whose address is in Elmira, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elmira
SBA loans in Elmira (504)
- Approvals5
- Gross approval$1,245,000
- Average approval$249,000
- Median approval$214,000
- Largest approval$412,000
- Jobs supported22
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Elmira, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elmira
Flood risk in Elmira
- NFIP communityCity of Elmira
- NFIP community number360150
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date04/02/97
The City of Elmira participates in the National Flood Insurance Program as community 360150 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Chemung County, not Elmira
Chemung County context, not Elmira figures
- Establishments in Chemung County1,647
- Covered employment, Chemung County33,739
- Average annual pay, Chemung County$61,216
- Housing units permitted, Chemung County93
Every figure in this section is published for Chemung County as a whole and is not a measurement of Elmira.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Elmira questions, answered from the record.
How many people live in Elmira, New York?
26,257, in 10,532 households. Elmira city covers 7.25 square miles of land, which is 3,621 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elmira in?
Chemung County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Elmira?
$43,120. The median owner-occupied home is valued at $93,000. Median gross rent is $909 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elmira businesses?
36 7(a) approvals totaling $5.7 m since FY2020, across 12 lenders, median approval $128,600, plus 5 504 approvals worth $1.2 m since FY2010. These count approvals to borrowers whose address is in Elmira, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elmira borrowers get paid back?
No rate is published for Elmira. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Elmira in the National Flood Insurance Program?
Yes. Elmira appears in the FEMA Community Status Book as Elmira, city of, community 360150, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Elmira figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Chemung County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Elmira.
Is zoning published for Elmira?
No. Nothing on this page presents parcel level zoning.