The median home in Niagara Falls, New York is valued at $161,109, up 6.3% year over year. Typical monthly rent is $1,070, producing a price-to-rent ratio of 12.5x — below the national average of 18x. Niagara Falls is part of the Buffalo-Cheektowaga, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$161,109

+6.3%

Rent$1,070/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Niagara Falls.

Income (annual)

Down Payment

$32,222 on $161,109

Example: $75,000 household income. Change it above to see your own.

Affordable19.1% of income

Under the 28% guideline.

PITI$1,196

P/I19.1%

Afford$236K

Room+$75K

P&I $815Tax $231Ins $150

Renting $126/mo cheaper ($1,070 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Niagara Falls with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Buffalo-Cheektowaga, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Buffalo-Cheektowaga, NY metro.

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Niagara Falls, NY