ZIP Code 14305 — Niagara Falls, NY Home Prices (2026)
The typical home in ZIP 14305 (Niagara Falls, New York) is worth about $156,000 at roughly $92 per square foot — 14% more expensive than the Niagara Falls median and 47% more affordable than the typical U.S. home.
How 14305 compares
ZIP 14305 is one of the pricier ZIP codes in Niagara Falls: its typical home value of $156,000 ranks #2 of the 4 Niagara Falls ZIP codes we track (the citywide range runs from $113,000 in 14303 to $212,000 in 14304). Per square foot it costs about $92, against $93 for Niagara Falls as a whole, $247 for New York, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 14305 | $156,000 | $92 |
| Niagara Falls, NY | $137,000 | $93 |
| New York | $338,000 | $247 |
| United States | $294,000 | $195 |
Home value by size in 14305
Using this ZIP’s rate of about $92 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $92,000 |
| 1,500 sq ft | $138,000 |
| 2,000 sq ft | $184,000 |
| 2,500 sq ft | $230,000 |
| 3,000 sq ft | $276,000 |
Salary needed to buy a home in ZIP 14305
To buy the typical $156,000 home in ZIP 14305 with 20% down, you need a household income of roughly $42,000 a year (about $990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $50,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,800 | $1,230/mo | $53,000/yr |
| 10% (+PMI) | $15,600 | $1,180/mo | $50,000/yr |
| 20% | $31,200 | $990/mo | $42,000/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 ZIP 14305
At about $92 per square foot, here is roughly how much home different budgets get you in ZIP 14305:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1630 sq ft | around the typical home here |
| $200k | 2170 sq ft | around the typical home here |
| $250k | 2720 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3260 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 pre-filled with a typical 14305 home.
Estimate a specific home in 14305
The estimator below is pre-set to ZIP 14305 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Niagara Falls ZIP codes by home value
Where 14305 sits among Niagara Falls’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 14304 | $212,000 | $148 |
| 2 | 14305 (this page) | $156,000 | $92 |
| 3 | 14301 | $118,000 | $74 |
| 4 | 14303 | $113,000 | $94 |
ZIP 14305 home prices: frequently asked
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See the full Niagara Falls home values page, all New York cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.