Niagara County, NY Average Home Price (2026)
The average home price in Niagara County, New York is about $260,500 (the 2026 median across 18 ZIP codes, at ~$174/sq ft) — 22% more affordable than the New York median and 10% more affordable than the typical U.S. home.
How Niagara County compares
Niagara County is about average for housing nationally: its typical home costs $260,500 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $111,000 to $347,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Niagara County | $260,500 | $174 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cities in Niagara County
Cities with their own home-value page, largest first:
Niagara County home prices by ZIP code
The 15 most valuable ZIP codes in Niagara County (of 18 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 14092 Lewiston | $347,000 | $199 | +33% |
| 14174 Youngstown | $342,000 | $206 | +31% |
| 14132 Sanborn | $327,000 | $234 | +26% |
| 14131 Ransomville | $300,000 | $177 | +15% |
| 14120 North Tonawanda | $285,000 | $206 | +9% |
| 14028 Burt | $283,000 | $239 | +9% |
| 14172 Wilson | $277,000 | $184 | +6% |
| 14094 Lockport | $271,000 | $185 | +4% |
| 14008 Appleton | $262,000 | $154 | +1% |
| 14067 Gasport | $259,000 | $140 | -1% |
| 14108 Newfane | $251,000 | $167 | -4% |
| 14012 Barker | $242,000 | $147 | -7% |
| 14105 Middleport | $223,000 | $108 | -14% |
| 14304 Niagara Falls | $208,000 | $170 | -20% |
| 14126 Olcott | $196,000 | $231 | -25% |
Home value appreciation in Niagara County
Home prices in Niagara County have risen about 107% over the last 10 years (≈7.5% a year) and +139.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.6% — still rising. A home worth $260,500 today was worth roughly $125,785 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Niagara County
Run the numbers for Niagara County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Niagara County
To buy the typical $260,500 home in Niagara County with 20% down, you need a household income of roughly $71,000 a year (about $1,650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $84,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,000 | $2,060/mo | $88,000/yr |
| 10% (+PMI) | $26,100 | $1,960/mo | $84,000/yr |
| 20% | $52,100 | $1,650/mo | $71,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Niagara County
At about $174 per square foot, here is roughly how much home different budgets get you in Niagara County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1440 sq ft | around the typical home here |
| $300k | 1720 sq ft | around the typical home here |
| $400k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Niagara County
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Niagara County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.