Niagara County, New York home prices
Typical home $254,624 · +4.8% in a year · property tax 2.19%
The typical home in Niagara County is worth $254,624, 51% less than the New York typical home ($524,942). Values changed +4.8% in the past year and +34.6% over five years. Homeowners here pay a median 2.19% of their home's value in property tax each year ($5,574 on the typical home), versus 1.42% statewide.
Mortgage on the typical Niagara County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,925 | $203,699 | $1,370 | $0 | $592 | $1,962 | $84,100 |
| 10% down | $25,462 | $229,161 | $1,542 | $95 | $592 | $2,229 | $95,500 |
| 5% down | $12,731 | $241,893 | $1,627 | $101 | $592 | $2,320 | $99,400 |
| 3.5% down (FHA) | $8,912 | $250,012 | $1,682 | $113 | $592 | $2,386 | $102,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.19% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New York · part of the Buffalo metro area.
New York counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wayne County | $253,487 | +6.1% | 2.5% |
| Washington County | $252,226 | +3.7% | 2.01% |
| Schoharie County | $252,001 | +6.2% | 2.03% |
| Delaware County | $250,587 | +5.2% | 1.72% |
| Livingston County | $247,627 | +4.0% | 2.45% |
| Schuyler County | $246,028 | +4.8% | 1.97% |
| Madison County | $265,243 | +6.4% | 2.26% |
| Oneida County | $237,718 | +5.6% | 2.02% |
| Cayuga County | $235,019 | +5.7% | 2.19% |
| Hamilton County | $274,369 | +2.0% | 1% |
Frequently asked questions
What is the average home price in Niagara County, NY?
The typical home value in Niagara County is $254,624 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Niagara County?
About $84,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Niagara County?
The median effective rate is 2.19% of home value a year (Census ACS 2024 5-year estimates).