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Niagara Falls city, NY

ZIP 14301 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14301

Median Home Value
$79,200
Median Rent
$582
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$509/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 14301 in Niagara Falls city, NY, a household would need roughly $22,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $509. That sits below the local median household income ($37,650), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (22% built before 1939)

Owner Occupied
43.1%-34% vs US avg
x
Vacancy Rate
18.7%+81% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
21.7%+70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.5%-43% vs US avg
x
Mortgage-Free
56.1%+47% vs US avg
x
$79,200
Home Value
$582
Rent
1943
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached43.8%
  • 1-unit attached2.6%
  • 2-9 units43.2%
  • 10+ units9.3%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$79,200
Median rent$582
Owner-occupied43.1%
Vacant18.7%
Price-to-income2.1x
Est. income to buy$22,000