Niagara Falls, NY population, income and ZIP codes

Niagara Falls city is a small city in New York, with 48,198 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #18 of 1,292 ranked by population — larger than 98% of them. The median age here is 40.7 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Niagara Falls city earn a median of $48,535 a year, 38.2% below the national figure of $78,538 and 47% below the $91,806 median for the 847 New York cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 23.7% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Niagara Falls city is valued at $104,400, 65.6% below the national figure and 67% below the $315,800 peer median, while median gross rent runs $784 a month, 44.2% below the national figure, or roughly $9,408 across a full year. A household on the local median income would put about 19.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 57.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.