Niagara County, New York: What It Costs to Buy a Home
The median home in Niagara County is worth $177,400, property taxes on it run about $4,052 a year (2.28%), the FHA loan limit is $541,287, and closing on it means about $708 in transfer tax plus $1,375 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $177,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $4,052 a year, 2.28% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $708 | New York transfer tax page → |
| Title insurance on the median home | $1,058 owner's + $317 lender's | Title insurance page → |
| Closing costs from these items | $2,083 | Closing costs page → |
| Area median income (HUD, family of 4) | $101,500; low-income limit $81,200 | Income limits page → |
Frequently asked questions
How much do homes cost in Niagara County?
The median owner-occupied home in Niagara County is valued at $177,400, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Niagara County?
The median Niagara County homeowner pays $4,052 a year in real estate taxes, about 2.28% of the median home value ($4,418 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Niagara County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Niagara County?
On the $177,400 median home: transfer tax $708, title insurance $1,375 for both policies, about $2,083 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Niagara County?
HUD's FY 2026 median family income for Niagara County (Buffalo-Cheektowaga, NY MSA) is $101,500. A family of four counts as low income below $81,200 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby New York counties
- Montgomery County $141,600
- Nassau County $658,700
- New York County $1,090,500
- Oneida County $171,100
- Onondaga County $185,300
- Ontario County $202,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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