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Buffalo city, NY

ZIP 14220 — 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 14220

Median Home Value
$180,200
Median Rent
$800
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,158/mo PITI).

14%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.8 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 14220 in Buffalo city, NY, a household would need roughly $50,000 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 $1,158. That sits below the local median household income ($68,337), 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
71.7%+10% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
13.3%+4% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$180,200
Home Value
$800
Rent
1938
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached58.2%
  • 1-unit attached2.2%
  • 2-9 units37.8%
  • 10+ units1.0%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,200
Median rent$800
Owner-occupied71.7%
Vacant8.8%
Price-to-income2.6x
Est. income to buy$50,000