ZIP Code 14303 — Niagara Falls city, NY Demographics & Data

ZIP code 14303 covers Niagara Falls, NY in Niagara County with a population of about 6,210.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area code 716; U.S. House district NY-26; the BUFFALO media market.

Median household income in ZIP 14303 is about $45,519 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 10.7%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Retail trade, and Healthcare; about 2.8% of workers reporting work-from-home (about 12.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $78,200 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $673 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 48.8% (about 16.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 14303 in Niagara Falls, 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 $502. That sits below the local median household income ($45,519), 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.

FEMA’s National Risk Index rates natural-hazard risk for Niagara Falls city, NY as Relatively Moderate (composite score 83.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.0) and hurricane (57.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Niagara Falls city, NY show little to no average snow and around 34.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 268 for ZIP 14303 (Niagara Falls city, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.