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City · 14,894 residents · Erie County, New York

Eggertsville , New York

In Eggertsville, a typical home is worth $248,100 and typical rent is $886 a month. Compared with all of Erie County, typical rent is 19% lower, typical household income is 14% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $248,100

    6% above the county

    41% below New York

    • Eggertsville
    • Erie
    • New York

  • Typical rent

    $886a month

    19% below the county

    45% below New York

    • Eggertsville
    • Erie
    • New York

  • Typical household income

    $82,767a year

    14% above the county

    4% below New York

    • Eggertsville
    • Erie
    • New York

  • Households that own their home

    74%

    8 points above the county

    19 points above New York

    • Eggertsville
    • Erie
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Eggertsville 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Eggertsville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Cheektowaga, the typical home value is $185,500: 25% less than in Eggertsville ($248,100).

  2. The typical rent in Eggertsville is $886 a month, 19% less than in Erie County as a whole ($1,090).

  3. 74% of households in Eggertsville own their home, against 66% in Erie County.

  4. Eggertsville has the 27th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (38%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Eggertsville

What homes there are in Eggertsville, 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 houses, standing on their own, make up 73% of homes here, against 59% in Erie County.

Year built

In Eggertsville, half of the homes were built before 1951; in Erie County, before 1957.

Homes in Eggertsville are bigger: 67% have 3 bedrooms or more; in Erie County, 64%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Eggertsville sit under the FHA limit for Erie County ($541,287): about 87%.

Monthly rent with utilities

With a mortgage

$1,803 a month

Erie County: $1,619 a month

Without a mortgage

$570 a month

Erie County: $661 a month

Owners with a mortgage

64%

Erie County: 57%

The typical cost for an owner with a mortgage in Eggertsville is $1,803 a month, more than in Erie County ($1,619); without one, $570.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Eggertsville rose 59%; in Erie County, it rose 52%.

Since 2015–2019, the typical rent in Eggertsville did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEggertsvilleErie CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.8%3.8%5.5%
Homeowner vacancy Unreliable estimate0.6%1.1%0.9%
More than one person per room Unreliable estimate1.3%5.3%3.4%
People per household 2.312.262.492.53
Drive alone 78%72%49%69%
Carpool 6%8%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 12%13%15%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Erie County, a household in Eggertsville has 2.31 people on average.

To get to work, 78% of workers in Eggertsville drive alone; in Erie County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Eggertsville?

A typical home is tight for the typical income

We start with a typical home in Eggertsville, worth $248,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Eggertsville, which is $82,767 a year. For that payment to be 28% of income, a household would need to earn about $96,074 a year.

The calculator's FHA and conventional loan limits are those of all of Erie County.

Your numbers

Local data
$

Starts at the typical home value in Eggertsville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,684 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,242

at 7.18% · 30 years

Loan amount
$243,606
Total interest
$350,492
Paid off in
November 2056

Includes $4,190 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,931 a month

  • Tight

    $1,931 to $2,483 a month

    Your payment · 33%

  • Hard

    more than $2,483 a month

Compared with the typical household income in Eggertsville ($82,767 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,242
Principal & interest$1,650
Property tax$378
Home insurance$103
FHA mortgage insurance (MIP)$110

You need at least $8,684 for the down payment, plus closing costs.

Next step

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.

The city and its county

Eggertsville and Erie County

Eggertsville 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).

Eggertsville's own numbers

Typical home value
$248,100
Typical monthly rent
$886
Typical yearly household income
$82,767
Households that own their home
74%
Effective property tax rate
1.83%

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.

Everything about Erie County

Buying

Buying a home in Eggertsville

A typical home in Eggertsville is worth $248,100: 6% above the county and 41% below New York. With the typical household income in Eggertsville ($82,767 a year), a typical home costs 3.0 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.

  • Eggertsville 3.0 years
  • Erie 3.2 years
  • New York 4.9 years
  • United States 4.1 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.

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

Eggertsville 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
  • Eggertsville $248,100
  • Erie $233,800
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Eggertsville $886
  • Erie $1,090
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Eggertsville $82,767
  • Erie $72,839
  • New York $85,974
  • United States $80,734
See the full table
Eggertsville next to Erie County and New York
Measure Eggertsville Erie County New York U.S.
Typical home value $248,100 $233,800 $423,800 $332,700
Typical monthly rent $886 $1,090 $1,621 $1,413
Typical yearly household income $82,767 $72,839 $85,974 $80,734
Households that own their home 74% 66% 54% 65%
Typical yearly property tax $4,540 $4,622 $6,582 $3,119
Effective property tax rate 1.83% 1.98% 1.55% 0.94%
Renters with high rent for their income 38% 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 Eggertsville

For a typical $248,100 home in Eggertsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eggertsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,242a month

    Least cash to close
    Down payment
    $8,684
    Cash to close
    $16,127
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $2,196a month

    Down payment
    $12,405
    Cash to close
    $19,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $1,826a month

    Down payment
    $49,620
    Cash to close
    $57,063
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,056a month

    Down payment
    $37,215
    Cash to close
    $44,658
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Eggertsville and for Erie County.

Property tax

Effective rate in Eggertsville

1.83%of the home’s value each year

$4,540 a year for the typical owner in Eggertsville.

  • Eggertsville 1.83%
  • Erie 1.98%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Erie County

FEMA does not publish these numbers by city: they are for all of Erie County.

Homes in the high-risk zone
1%
3,298
Of those, with NFIP insurance
28%
County New York U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 28% 76% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eggertsville

Typical rent in Eggertsville is $886 a month: 19% below the county. In Eggertsville, 38% 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 fair market rent for all of Erie County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,178 $22.65 $47,120
1 bedroom $1,203 $23.13 $48,120
2 bedrooms $1,423 $27.37 $56,920
3 bedrooms $1,732 $33.31 $69,280
4 bedrooms $1,977 $38.02 $79,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Eggertsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eggertsville is in ZIP code 14226.

For 2 bedrooms it is $1,570: $147 more than the fair market rent for Erie County ($1,423).

  • 14226 $1,570$1,910

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eggertsville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Eggertsville

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Eggertsville

No down payment, repair or rent-help program on our list is for Eggertsville or Erie County. The ones below are statewide in New York: they work in Eggertsville the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Eggertsville

The HUD-approved agencies closest to the center of Eggertsville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Belmont Housing Resources for Wny, Incorporated

    2393 Main St, Buffalo · 3 miles away · Spanish

    Also serves in American Sign Language (ASL), German, and Russian.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (716) 884-7791

  • Operation Hope- Buffalo Ny Branch

    752 E Delavan Ave, Buffalo · 3 miles away

    • Mortgage delinquency workshops
    • Fair housing pre-purchase workshops
    • and 4 more
    (716) 342-5580

  • Buffalo Urban League, Inc.

    15 Genesee St, Buffalo · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (716) 250-2400

Every agency in Erie County All counseling agencies in New York

Help in Spanish near Eggertsville

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Eggertsville

In HUD’s record, no housing authority with an office in Erie County is named for Eggertsville or Erie County.

6 other authorities have an office in Erie County: see the list Source: HUD

Cities

Other cities in Erie County

These cities are also in Erie County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Erie County Housing in New York
See 2 more cities in Erie County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Eggertsville, with the typical home value.

Neighboring counties

If Erie County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Eggertsville.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Eggertsville

Short answers with the numbers for Eggertsville 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 Eggertsville?

The typical home value in Eggertsville is $248,100, 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 Eggertsville?

Typical rent in Eggertsville is $886 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 Eggertsville?

Eggertsville 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 Eggertsville?

The typical homeowner in Eggertsville pays $4,540 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Erie County, the rate is 1.98%.

Where can I find free help to buy or rent in Eggertsville?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).