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City · 9,792 residents · Erie County, New York

Hamburg , New York

In Hamburg, a typical home is worth $248,600 and typical rent is $1,097 a month. Compared with all of Erie County, typical household income is 54% higher, the typical home value is 6% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $248,600

    6% above the county

    41% below New York

    • Hamburg
    • Erie
    • New York

  • Typical rent

    $1,097a month

    About the same as the county

    32% below New York

    • Hamburg
    • Erie
    • New York

  • Typical household income

    $112,292a year

    54% above the county

    31% above New York

    • Hamburg
    • Erie
    • New York

  • Households that own their home

    76%

    10 points above the county

    21 points above New York

    • Hamburg
    • Erie
    • New York

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

Market now, with Zillow data

Zillow data
Typical rent
$1,371 a month
2.3% more than 12 months ago

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hamburg 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 Hamburg apart

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

  1. The typical household income in Hamburg is $112,292, 54% more than in Erie County as a whole ($72,839).

  2. Nearby, in Lackawanna, the typical home value is $140,700: 43% less than in Hamburg ($248,600).

  3. Hamburg has the 13th smallest share of rent-burdened renters of the 300 cities in New York with more than 5,000 people (36%).

  4. Nearby, in Lackawanna, the typical rent is $872: 21% less than in Hamburg ($1,097).

  5. 76% of households in Hamburg own their home, against 66% in Erie County.

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

The homes here

Housing in Hamburg

What homes there are in Hamburg, 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 72% of homes here, against 59% in Erie County.

Year built

In Hamburg, half of the homes were built before 1955; in Erie County, before 1957.

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
Monthly rent with utilities

With a mortgage

$1,849 a month

Erie County: $1,619 a month

Without a mortgage

$805 a month

Erie County: $661 a month

Owners with a mortgage

74%

Erie County: 57%

In Hamburg, 74% of owners have a mortgage, and their typical cost is $1,849 a month, against $1,619 in Erie County. Without one it drops to $805.

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 Hamburg rose 46%; in Erie County, it rose 52%.

The typical rent in Hamburg rose 22% over the same time; in Erie County, it rose 32%.

To compare: typical income in Hamburg rose 41%; the home, +46%; the rent, +22%.

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

MeasureHamburgErie 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 2.242.262.492.53
Drive alone 78%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike Unreliable estimate3%6%3%
Work from home 14%13%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Hamburg has 2.24 people on average, about the same as in Erie County (2.26).

In Hamburg, 78% of workers drive alone to work; 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 Hamburg?

A typical home is within reach of the typical income

We start with a typical home in Hamburg, worth $248,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Hamburg, which is $112,292 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 Hamburg. 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 $8,701 (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

$2,437

at 7.18% · 30 years

Loan amount
$244,097
Total interest
$351,199
Paid off in
November 2056

Includes $4,198 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,620 a month

    Your payment · 26%

  • Tight

    $2,620 to $3,369 a month

  • Hard

    more than $3,369 a month

Compared with the typical household income in Hamburg ($112,292 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,437
Principal & interest$1,654
Property tax$570
Home insurance$104
FHA mortgage insurance (MIP)$110

You need at least $8,701 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

Hamburg and Erie County

Hamburg 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).

Hamburg's own numbers

Typical home value
$248,600
Typical monthly rent
$1,097
Typical yearly household income
$112,292
Households that own their home
76%
Effective property tax rate
2.75%

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 Hamburg

A typical home in Hamburg is worth $248,600: 6% above the county and 41% below New York. With the typical household income in Hamburg ($112,292 a year), a typical home costs 2.2 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.

  • Hamburg 2.2 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

Hamburg 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
  • Hamburg $248,600
  • Erie $233,800
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Hamburg $1,097
  • Erie $1,090
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Hamburg $112,292
  • Erie $72,839
  • New York $85,974
  • United States $80,734
See the full table
Hamburg next to Erie County and New York
Measure Hamburg Erie County New York U.S.
Typical home value $248,600 $233,800 $423,800 $332,700
Typical monthly rent $1,097 $1,090 $1,621 $1,413
Typical yearly household income $112,292 $72,839 $85,974 $80,734
Households that own their home 76% 66% 54% 65%
Typical yearly property tax $6,833 $4,622 $6,582 $3,119
Effective property tax rate 2.75% 1.98% 1.55% 0.94%
Renters with high rent for their income 36% 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 Hamburg

For a typical $248,600 home in Hamburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hamburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,437a month

    Least cash to close
    Down payment
    $8,701
    Cash to close
    $16,159
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $2,391a month

    Down payment
    $12,430
    Cash to close
    $19,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $2,021a month

    Down payment
    $49,720
    Cash to close
    $57,178
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,250a month

    Down payment
    $37,290
    Cash to close
    $44,748
    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 Hamburg and for Erie County.

Property tax

Effective rate in Hamburg

2.75%of the home’s value each year

$6,833 a year for the typical owner in Hamburg.

  • Hamburg 2.75%
  • 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 Hamburg

Typical rent in Hamburg is $1,097 a month: about the same as the county. In Hamburg, 36% 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 Hamburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hamburg is in ZIP code 14075.

For 2 bedrooms it is $1,630: $207 more than the fair market rent for Erie County ($1,423).

  • 14075 $1,630$1,980

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hamburg 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?

Low-income apartments

Low-income apartments in Hamburg

HUD lists 11 buildings with rents for lower incomes in Hamburg. These are the largest.

  • Bethel Estates 4647 Southwestern Blvd, Hamburg 14075 262 homes, 260 low-income · For older adults (716) 648-6444
  • Claire Court Apts 5570 S Park Ave, Hamburg 14075 72 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 16 · In service since 2001 · For older adults, people with disabilities, families
  • Iris Apartments 4150 Sowles Rd, Hamburg 14075 50 homes, 49 low-income · For older adults (716) 648-3255
  • Elm Apartments 4122 Sowles Rd, Hamburg 14075 49 low-income homes · For older adults (716) 649-2194
  • Abbott Independent Living 3054 Abbott Road, Hamburg 14075 12 low-income homes · For people with disabilities (716) 342-2877

See all 231 buildings in Erie County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hamburg

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Hamburg

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

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

Housing counselors near Hamburg

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

  • Parachute Credit Counseling, Inc.

    40 Gardenville Pkwy Ste 300, West Seneca · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (800) 926-9685

  • NSC (naca Counseling Subsidiary) - Buffalo, NY

    135 Delaware Ave Ste 102, Buffalo · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (716) 834-6222

  • Buffalo Urban League, Inc.

    15 Genesee St, Buffalo · 12 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 Hamburg

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 Hamburg

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Hamburg

Short answers with the numbers for Hamburg 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 Hamburg?

The typical home value in Hamburg is $248,600, 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 Hamburg?

Typical rent in Hamburg is $1,097 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 Hamburg?

Hamburg 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 Hamburg?

The typical homeowner in Hamburg pays $6,833 a year, according to the U.S. Census Bureau. That is 2.75% of the home’s value; in Erie County, the rate is 1.98%.

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

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).