Cost of Living in Niagara County, New York
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Niagara County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Niagara County ranks #1,982 of 3,142 counties for affordability (bottom 37%)
Sourced county brief
Niagara County Renter Median Income Reported at 35,954 Dollars
Niagara County's median renter-household income was $35,954. The median gross rent in the county was $899 per month, which is lower than the New York unweighted county mean of $1,168. The official GRAPI for Niagara County was 29.4%, a figure that is 0.4 percentage points below the state unweighted county mean official GRAPI of 29.8%. For owner-occupied housing, the median home value was $189,800 and the median monthly owner cost was $1,027. These figures are below the respective state unweighted county means of $281,200 and $1,352. The rentToIncomePct of 29.4% is the official ACS B25071 GRAPI for renter-occupied households. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Niagara County
Affordability Verdict
ACS B25071 estimates median gross rent at 29.4% of renter household income in Niagara County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $899 per month; median selected monthly owner costs are $1,027. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $35,960 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The New York unweighted mean of county median rents is $1,168 per month. Niagara County's $899 median is 23.1% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Niagara County
Rent Burden
15.5%
of gross income
Max Housing (28% Rule)
$1,625
per month
Owner Cost Burden
17.7%
of gross income
You can likely afford the median home in Niagara County
Median home value is $189,800. Estimated monthly cost: $1,515 vs. your max of $1,625.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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