In Cheektowaga, a typical home is worth $185,500 and typical rent is $1,055 a month. Compared with all of Erie County, the typical home value is 21% lower, typical household income is 6% lower, and the share of households that own their home is 5 points higher.
Cheektowaga is in Erie County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Erie County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Eggertsville, the typical rent is $886: 16% less than in Cheektowaga ($1,055).
2
The typical home in Cheektowaga is worth $185,500,21% less than in Erie County as a whole ($233,800).
3
71% of households in Cheektowaga own their home, against 66% in Erie County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cheektowaga
What homes there are in Cheektowaga, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cheektowaga
Erie County
New York
United States
Kind of home: Cheektowaga and its comparisons
Measure
Cheektowaga
Erie County
New York
United States
Detached house
65%
59%
41%
61%
Attached house
2%
3%
6%
6%
Building of 2 to 4
21%
23%
17%
8%
Apartments (5 or more)
10%
13%
35%
19%
Mobile home
3%
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Cheektowaga, 7 in 10 homes are single-family detached houses; in Erie County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Cheektowaga
Erie County
New York
United States
Year built: Cheektowaga and its comparisons
Measure
Cheektowaga
Erie County
New York
United States
Before 1960
50%
55%
52%
26%
1960–1979
36%
22%
22%
24%
1980–1999
10%
13%
14%
25%
2000–2009
3%
5%
6%
14%
2010 or later
2%
5%
6%
11%
By age, homes in Cheektowaga look like those in Erie County: the typical year built is 1960.
By size, homes in Cheektowaga look like those in Erie County: 66% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K13%
$100K–$200K44%
$200K–$300K35%
$300K–$500K6%
$500K–$750K1%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or more1%
Value of owner-occupied homes: Cheektowaga and its comparisons
Measure
Cheektowaga
Under $100K
13%
$100K–$200K
44%
$200K–$300K
35%
$300K–$500K
6%
$500K–$750K
1%
$750K–$1M
Unreliable estimate
$1M or more
1%
About 98% of owner-occupied homes in Cheektowaga are worth less than the FHA loan limit for Erie County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99936%
$1,000–$1,49947%
HUD fair market rent, 2 bedrooms: $1,423
$1,500–$1,9996%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cheektowaga and its comparisons
Measure
Cheektowaga
Under $500
6%
$500–$999
36%
$1,000–$1,499
47%
$1,500–$1,999
6%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
By rent, most homes in Cheektowaga cost less than HUD's 2-bedroom fair market rent ($1,423): about 82%.
With a mortgage
$1,398 a month
Erie County: $1,619 a month
Without a mortgage
$640 a month
Erie County: $661 a month
Owners with a mortgage
59%
Erie County: 57%
Owning costs less in Cheektowaga: with a mortgage, the typical cost is $1,398 a month; in Erie County, $1,619. Without one, $640.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cheektowaga+63%
Erie County+52%
New York+35%
United States+53%
Typical rent
Cheektowaga+25%
Erie County+32%
New York+27%
United States+33%
Typical household income
Cheektowaga+27%
Erie County+25%
New York+26%
United States+29%
Change since 2015–2019: Cheektowaga and its comparisons
Measure
Cheektowaga
Erie County
New York
United States
Typical home value
+63%
+52%
+35%
+53%
Typical rent
+25%
+32%
+27%
+33%
Typical household income
+27%
+25%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Cheektowaga rose 63%; in Erie County, it rose 52%.
Rents in Cheektowaga rose more slowly than in Erie County: 25% since 2015–2019, against 32%.
While home values in Cheektowaga changed +63% and rent +25%, the typical household income rose 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cheektowaga and its comparisons
Measure
Cheektowaga
Erie County
New York
United States
Rental vacancy
3.8%
3.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.1%
0.9%
More than one person per room
1.8%
1.3%
5.3%
3.4%
People per household
2.17
2.26
2.49
2.53
Drive alone
76%
72%
49%
69%
Carpool
7%
8%
6%
9%
Public transit
2%
3%
22%
3%
Walk or bike
2%
3%
6%
3%
Work from home
11%
13%
15%
15%
Other means
2%
1%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
In Cheektowaga, the rental vacancy rate is 3.8%, about the same as in Erie County.
Much as in Erie County, 1.8% of households in Cheektowaga have more than one person per room.
A household in Cheektowaga has 2.17 people on average, about the same as in Erie County (2.26).
To get to work, 76% of workers in Cheektowaga drive alone; in Erie County, 72%.
Do the math
What would you pay each month for a home in Cheektowaga?
A typical home is tight for the typical income
We start with a typical home in Cheektowaga, worth $185,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Cheektowaga, which is $68,613 a year. For that payment to be 28% of income, a household would need to earn about $75,808 a year.
The calculator's FHA and conventional loan limits are those of all of Erie County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cheektowaga. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,493 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,769
at 7.18% · 30 years
Loan amount
$182,140
Total interest
$262,056
Paid off in
November 2056
Includes $3,133 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,601 a month
Tight
$1,601 to $2,058 a month
Your payment · 31%
Hard
more than $2,058 a month
Compared with the typical household income in Cheektowaga ($68,613 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,234
Property tax
$376
Home insurance
$77
FHA mortgage insurance (MIP)
$82
You need at least $6,493 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,769; principal and interest $1,234.
The city and its county
Cheektowaga and Erie County
Cheektowaga is in Erie County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Cheektowaga
Map of Erie County, New York, with Cheektowaga marked. Around it, the neighboring counties.
Cheektowaga
Erie County
Other cities with a page
Cheektowaga's own numbers
Typical home value
$185,500
Typical monthly rent
$1,055
Typical yearly household income
$68,613
Households that own their home
71%
Effective property tax rate
2.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Erie County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,423
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Erie County.
A typical home in Cheektowaga is worth $185,500: 21% below the county and 56% below New York. With the typical household income in Cheektowaga ($68,613 a year), a typical home costs 2.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Cheektowaga2.7 years
Erie3.2 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Erie County
According to FHFA’s house price index, home prices in Erie County rose 104% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Erie County.
Yearly change in FHFA’s price index in Erie County, 2016 to 2025
2016: +4.5% +4.5% 2016
2017: +5.7% +5.7% 2017
2018: +6.6% +6.6% 2018
2019: +4.8% +4.8% 2019
2020: +5.1% +5.1% 2020
2021: +12.3% +12.3% 2021
2022: +14.5% +14.5% 2022
2023: +8.6% +8.6% 2023
2024: +6.2% +6.2% 2024
2025: +6.2% +6.2% 2025
Change in FHFA’s price index in Erie County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+6.2%
+6.0%
+2.9%
5 years (2020–2025)
+58%
+52%
+47%
10 years (2015–2025)
+104%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Cheektowaga next to Erie County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cheektowaga$185,500
Erie$233,800
New York$423,800
United States$332,700
Typical monthly rent
Cheektowaga$1,055
Erie$1,090
New York$1,621
United States$1,413
Typical yearly household income
Cheektowaga$68,613
Erie$72,839
New York$85,974
United States$80,734
See the full table
Cheektowaga next to Erie County and New York
Measure
Cheektowaga
Erie County
New York
U.S.
Typical home value
$185,500 ▼21% below the county
$233,800
$423,800
$332,700
Typical monthly rent
$1,055 ▼3% below the county
$1,090
$1,621
$1,413
Typical yearly household income
$68,613 ▼6% below the county
$72,839
$85,974
$80,734
Households that own their home
71% ▲5 points above the county
66%
54%
65%
Typical yearly property tax
$4,513 ▼2% below the county
$4,622
$6,582
$3,119
Effective property tax rate
2.43% ▲0.45 points above the county
1.98%
1.55%
0.94%
Renters with high rent for their income
47% ▼3 points below the county
50%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Erie County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Cheektowaga
For a typical $185,500 home in Cheektowaga, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cheektowaga's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,769a month
Least cash to close
Down payment
$6,493
Cash to close
$12,058
Rate
7.18%
Mortgage insurance
FHA MIP · $82
Conventional, 5% down$1,735a month
Down payment
$9,275
Cash to close
$14,840
Rate
7.18%
Mortgage insurance
PMI · $88
Conventional, 20% down, no PMI$1,458a month
Down payment
$37,100
Cash to close
$42,665
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,630a month
Down payment
$27,825
Cash to close
$33,390
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cheektowaga
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,769
$6,493
$182,140
7.18%
FHA MIP · $82
$12,058
580
Conventional, 5% down
$1,735
$9,275
$176,225
7.18%
PMI · $88
$14,840
620*
Conventional, 20% down, no PMI
$1,458
$37,100
$148,400
7.18%
None
$42,665
620*
ITIN, 15% down (example)
$1,630
$27,825
$157,675
8.18%
None
$33,390
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Cheektowaga is $1,055 a month: 3% below the county. In Cheektowaga, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Erie County, by unit size. To pay the 2-bedroom one ($1,423 a month) without spending more than 30% of your income, you would need to earn $27.37 an hour working full time.
HUD lists 12 buildings with rents for lower incomes in Cheektowaga. These are the largest.
Maryvale East Senior Citizen Apts120 Moorman Dr, Cheektowaga 14225172 low-income homes · 1 bd: 165 · 2 bd: 7 · In service since 2007 · For older adults
Linda Lane Apts27 Linda Dr, Cheektowaga 14225156 homes, 124 low-income · 1 bd: 29 · 2 bd: 95 · In service since 1996 · For families
Liberty Park Senior Apts2911 William St, Cheektowaga 14227104 low-income homes · 2 bd: 104 · In service since 1997 · For older adults
Ahepa 67 II Apartments100 Ahepa Dr, Cheektowaga 1422750 low-income homes · For older adults(716) 608-0600
Maple Housing3611 Union Rd, Cheektowaga 14225147 homes, 49 low-income · For older adults(716) 683-3027
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 5 HUD-approved agencies with an office in Erie County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Cheektowaga or Erie County. The ones below are statewide in New York: they work in Cheektowaga the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Cheektowaga or Erie County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cheektowaga and all of Erie County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Cheektowaga?
The typical home value in Cheektowaga is $185,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Erie County it is $233,800.
How much does it cost to rent in Cheektowaga?
Typical rent in Cheektowaga is $1,055 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Erie County is $1,423.
What is the FHA loan limit in Cheektowaga?
Cheektowaga uses the FHA limit for all of Erie County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Cheektowaga?
The typical homeowner in Cheektowaga pays $4,513 a year, according to the U.S. Census Bureau. That is 2.43% of the home’s value; in Erie County, the rate is 1.98%.
Where can I find free help to buy or rent in Cheektowaga?
There are 5 HUD-approved counseling agencies with an office in Erie County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
