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Market MapNew YorkNiagara

Niagara County

New YorkPopulation: 212,230Buffalo, NY Metro
66
/100
Buy
#191 of 1,000 counties
#19 in New York (62 counties)

Market Snapshot

$235,202
Median Home Price
1% above national median
$1,097/mo
Median Rent
27% below national median
5.60%
Rent-to-Price Ratio
Top 58% nationally
-$520
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$235,202
Down Payment (20%)$47,040
Loan Amount$188,162
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,097
Monthly P&I-$1,233
Est. Expenses (35%)-$384
Net Cash Flow-$520/mo
3.6%
Cap Rate (all cash)
-11.5%
Cash-on-Cash Return
5.60%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
66/100
66
Cash Flow(30%)
54/100

Based on 5.60% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
88/100

Based on 5.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
76/100

Price-to-income ratio of 3.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Strong price appreciation (+5.5% YoY)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$520/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Economic Indicators

Population
212,230
Median Income
$65,882
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.6x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
MadisonNY
68$246,228$1,2776.22%BuyView
MonroeNY
67$269,412$1,4996.68%BuyView
WayneNY
67$236,511$1,2036.11%BuyView
CurrentNiagaraNY
66$235,202$1,0975.60%Buy
CayugaNY
64$220,162$1,2216.65%BuyView
PutnamNY
64$541,229$2,8146.24%BuyView

The Bottom Line

BuyNiagara offers solid investment potential with good cash flow or appreciation prospects.

Niagara County in New York scores 66/100, ranking #191 of 1,000 US counties (top 25%). The 5.60% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-520/mo
Cap Rate
3.6%
Cash-on-Cash
-11.5%

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