ZIP Code 14304 — Niagara Falls, New York

The median home in 14304 is valued at $151,500 against a median household income of $64,756, a price-to-income ratio of 2.3. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Niagara County, 14304 ranks 11 of 18 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.3. Renting takes 16.7% of median household income (median rent $901 a month), under the 30% cost-burden threshold.

14304 ranks 1,172 of 1,572 statewide on median household income and 1,201 of 1,572 on median home value; its income is below the $73,463 Niagara County median. 73% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 25% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 12.4%, above the 9.9% statewide ZIP median. Unemployment stands at 6.4%.

With 1,347 residents per square mile across 21.5 square miles of land, 14304 is far denser than the statewide ZIP median of 197 (rank 465 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.