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Niagara Falls city, NY

ZIP 14303 — 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 14303

Median Home Value
$78,200
Median Rent
$673
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$502/mo PITI).

18%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.7 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 14303 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 $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.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.8%-25% vs US avg
x
Vacancy Rate
18.1%+76% vs US avg
x
Broadband Access
81.6%-6% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
65.2%+71% vs US avg
x
$78,200
Home Value
$673
Rent
1938
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 detached46.0%
  • 1-unit attached0.9%
  • 2-9 units40.6%
  • 10+ units12.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$78,200
Median rent$673
Owner-occupied48.8%
Vacant18.1%
Price-to-income1.7x
Est. income to buy$22,000