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North Tonawanda city, NY

ZIP 14120 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14120

Median Home Value
$205,300
Median Rent
$826
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,319/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 14120 in North Tonawanda city, NY, a household would need roughly $57,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,319. That sits below the local median household income ($76,608), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
5.2%-50% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
8.0%-37% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$205,300
Home Value
$826
Rent
1959
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.8%
  • 1-unit attached1.5%
  • 2-9 units21.5%
  • 10+ units8.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$205,300
Median rent$826
Owner-occupied71.6%
Vacant5.2%
Price-to-income2.7x
Est. income to buy$57,000