How much is a home worth in ZIP code 14304?

The typical home in 14304 is worth $206,756, based on the Zillow Home Value Index.

Are home values rising in 14304?

Home values in 14304 are up 6.8% over the past year, and up 5.9% a year over five years.

What is the typical rent in 14304?

A typical home in 14304 rents for about $1,400 a month, a gross rental yield of 8.1%.

What is the property tax rate in 14304?

The effective property tax rate in 14304 is 1.5% — roughly $3,106 a year on a typical home.

ZIP code 14304 has a population of 29,208 and a median household income of $66,660.

HousingHandbookReference data

…

U.S. ZIP Code · NY14304

Niagara County · Buffalo-Cheektowaga, NY

Typical home value

$206,756^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +6.8%
5-year / yr: +5.9%
10-year / yr: +7.8%

Relative price

vs U.S.: -27.2%
vs metro: -23.9%
vs state: -35.1%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 14304 is worth $206,756 — 23.9% below the Buffalo-Cheektowaga, NY median. Over the past year, values have risen 6.8%. Homes here rent for a typical $1,400 a month — a 8.1% gross rental yield. The effective property tax rate is 1.5%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,400^[2]
Gross yield: 8.1%^[2]
Cap rate: 4.9%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 1.5%^[3]
Typical annual tax: $3,106^[3]

#Climate risk

FEMA National Risk Index ratings for Niagara County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Very Low
Wildfire: Very Low
Drought: Very Low
Heat wave: Relatively Low
Hurricane: Very Low
Tornado: Relatively Low
Earthquake: Relatively Low
Winter weather: Relatively Low

#Who lives here

Population: 29,208^[3]
Median household income: $66,660^[3]

#Migration

Household moves in and out of Niagara County over a year, from IRS tax-return data.

Net migration: -175^[5]
Moved in: 3,782
Moved out: 3,957

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 5
Elementary: 4
Middle: 1
High: 0

CATARACT ELEMENTARY SCHOOL
Elementary · Grades PK–6 · NIAGARA FALLS CITY SCHOOL DISTRICT
534 students
LASALLE PREPARATORY SCHOOL
Middle · Grades 7–8 · NIAGARA FALLS CITY SCHOOL DISTRICT
503 students
GERALDINE J MANN SCHOOL
Elementary · Grades PK–6 · NIAGARA FALLS CITY SCHOOL DISTRICT
425 students
SEVENTY NINTH STREET SCHOOL
Elementary · Grades PK–6 · NIAGARA FALLS CITY SCHOOL DISTRICT
417 students
NIAGARA CHARTER SCHOOL
Elementary · Grades K–6 · NIAGARA CHARTER SCHOOL
338 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield8.1%

Net yield (after ~40% expenses)4.9%

Annual rent$16,800

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,045

Loan principal$165,405

Down payment$41,351

Total interest paid$210,964

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.05

Monthly cost to own$1,476

Monthly rent$1,400

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 32nd percentile^[1]
Rental yield: 75th percentile^[2]
Property tax: 32nd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 14304?: The typical home in 14304 is worth $206,756, based on the Zillow Home Value Index.
Are home values rising in 14304?: Home values in 14304 are up 6.8% over the past year, and up 5.9% a year over five years.
What is the typical rent in 14304?: A typical home in 14304 rents for about $1,400 a month, a gross rental yield of 8.1%.
What is the property tax rate in 14304?: The effective property tax rate in 14304 is 1.5% — roughly $3,106 a year on a typical home.
Who lives in 14304?: ZIP code 14304 has a population of 29,208 and a median household income of $66,660.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

14213 vs 14304 →
Buffalo, NY
Typical home
$199,502
Gross yield
8.4%
14218 vs 14304 →
Lackawanna, NY
Typical home
$215,177
Gross yield
6.7%
14105
Middleport, NY
Typical home
$216,906
Gross yield
—
14034
NY
Typical home
$217,074
Gross yield
—
14006
Lake Erie Beach CDP, NY
Typical home
$221,048
Gross yield
—
14220
Buffalo, NY
Typical home
$224,317
Gross yield
7.2%

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Pit ZIP 14304 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · NY14304

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