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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Elmira?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Elmira right now. Listings below $500,000 were included if necessary.

913 Sing Sing Rd, Horseheads, NY 14845
- Price: $349,900
- 6 bedrooms, 2.5 bathrooms
- Square feet: 4,270
- See 913 Sing Sing Rd, Horseheads, NY 14845 on

119 Park Ter, Horseheads, NY 14845
- Price: $399,000
- 5 bedrooms, 4.5 bathrooms
- Square feet: 4,500
- See 119 Park Ter, Horseheads, NY 14845 on

1737 Genesee Rd, Elmira, NY 14905
- Price: $339,900
- 5 bedrooms, 4 bathrooms
- Square feet: 3,330
- See 1737 Genesee Rd, Elmira, NY 14905 on

121 Breed Holw, Horseheads, NY 14845
- Price: $468,900
- 5 bedrooms, 3.5 bathrooms
- Square feet: 3,200
- See 121 Breed Holw, Horseheads, NY 14845 on

560 Steege Hill Rd, Corning, NY 14830
- Price: $499,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,903
- See 560 Steege Hill Rd, Corning, NY 14830 on

125 Saint Andrews Dr, Horseheads, NY 14845
- Price: $429,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,620
- See 125 Saint Andrews Dr, Horseheads, NY 14845 on

1729 Pinnacle Rd, Elmira, NY 14905
- Price: $349,000
- 5 bedrooms, 2.5 bathrooms
- Square feet: 2,600
- See 1729 Pinnacle Rd, Elmira, NY 14905 on

924 Deerfield Rd, Elmira, NY 14905
- Price: $415,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 4,654
- See 924 Deerfield Rd, Elmira, NY 14905 on

905 Mount Zoar St, Elmira, NY 14904
- Price: $399,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 4,620
- See 905 Mount Zoar St, Elmira, NY 14904 on

145 Saint Andrews Dr, Horseheads, NY 14845
- Price: $419,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 3,012
- See 145 Saint Andrews Dr, Horseheads, NY 14845 on

966 W Church St, Elmira, NY 14905
- Price: $339,900
- 4 bedrooms, 3 bathrooms
- Square feet: 3,247
- See 966 W Church St, Elmira, NY 14905 on

205 Kennedy Dr, Horseheads, NY 14845
- Price: $459,900
- 4 bedrooms, 3 bathrooms
- Square feet: 2,802
- See 205 Kennedy Dr, Horseheads, NY 14845 on

818 W Water St, Elmira, NY 14905
- Price: $369,900
- 4 bedrooms, 2.5 bathrooms
- Square feet: 3,897
- See 818 W Water St, Elmira, NY 14905 on

126 Saint Andrews Dr, Horseheads, NY 14845
- Price: $449,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 3,100
- See 126 Saint Andrews Dr, Horseheads, NY 14845 on

137 Lincoln Rd, Horseheads, NY 14845
- Price: $325,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,519
- See 137 Lincoln Rd, Horseheads, NY 14845 on

818 Larchmont Cir, Elmira, NY 14905
- Price: $349,000
- 4 bedrooms, 2 bathrooms
- Square feet: 2,860
- See 818 Larchmont Cir, Elmira, NY 14905 on

40 Orchard Dr, Big Flats, NY 14814
- Price: $320,000
- 4 bedrooms, 2 bathrooms
- Square feet: 2,840
- See 40 Orchard Dr, Big Flats, NY 14814 on

606 W Broad St, Horseheads, NY 14845
- Price: $429,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,462
- See 606 W Broad St, Horseheads, NY 14845 on

15 Keller Dr, Horseheads, NY 14845
- Price: $499,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 1,700
- See 15 Keller Dr, Horseheads, NY 14845 on

35 Christopher Rd, Chemung, NY 14825
- Price: $385,500
- 3 bedrooms, 2 bathrooms
- Square feet: 2,088
- See 35 Christopher Rd, Chemung, NY 14825 on

563 W Hill Rd, Elmira, NY 14903
- Price: $425,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,923
- See 563 W Hill Rd, Elmira, NY 14903 on

3 Davenport Rd, Big Flats, NY 14814
- Price: $422,500
- 3 bedrooms, 2 bathrooms
- Square feet: 1,690
- See 3 Davenport Rd, Big Flats, NY 14814 on

2 Davenport Rd, Big Flats, NY 14814
- Price: $339,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,356
- See 2 Davenport Rd, Big Flats, NY 14814 on

8 Westwood Dr, Millport, NY 14864
- Price: $334,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,200
- See 8 Westwood Dr, Millport, NY 14864 on

175 Beckwith Rd, Pine City, NY 14871
- Price: $309,999
- 3 bedrooms, 1.5 bathrooms
- Square feet: 2,048
- See 175 Beckwith Rd, Pine City, NY 14871 on

154 Leach Hill Rd, Pine City, NY 14871
- Price: $349,900
- 3 bedrooms, 1.5 bathrooms
- Square feet: 1,980
- See 154 Leach Hill Rd, Pine City, NY 14871 on

326 Park Hill Rd, Erin, NY 14838
- Price: $384,900
- 3 bedrooms, 1 bathroom
- Square feet: 2,112
- See 326 Park Hill Rd, Erin, NY 14838 on

3963 Watkins Rd, Pine Valley, NY 14872
- Price: $453,000
- 3 bedrooms, 1 bathroom
- Square feet: 1,344
- See 3963 Watkins Rd, Pine Valley, NY 14872 on

405 Greystone Dr, Horseheads, NY 14845
- Price: $369,900
- 2 bedrooms, 2 bathrooms
- Square feet: 1,573
- See 405 Greystone Dr, Horseheads, NY 14845 on

767 Murphy Hill Rd, Catlin, NY 14902
- Price: $449,000
- 2 bedrooms, 1 bathroom
- Square feet: 1,792
- See 767 Murphy Hill Rd, Catlin, NY 14902 on