In Harris Hill, a typical home is worth $322,600 and typical rent is $1,734 a month. Compared with all of Erie County, typical rent is 59% higher and typical household income is 38% higher.
Harris Hill 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
The typical rent in Harris Hill is $1,734 a month, 59% more than in Erie County as a whole ($1,090).
2
Nearby, in Lancaster, the typical rent is $969: 44% less than in Harris Hill ($1,734).
3
Nearby, in Cheektowaga, the typical home value is $185,500: 42% less than in Harris Hill ($322,600).
4
The typical household income in Harris Hill is $100,881,38% more than in Erie County as a whole ($72,839).
5
The typical home in Harris Hill is worth $322,600,38% more than in Erie County as a whole ($233,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harris Hill
What homes there are in Harris Hill, 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
Harris Hill
Erie County
New York
United States
Kind of home: Harris Hill and its comparisons
Measure
Harris Hill
Erie County
New York
United States
Detached house
74%
59%
41%
61%
Attached house
Unreliable estimate
3%
6%
6%
Building of 2 to 4
Unreliable estimate
23%
17%
8%
Apartments (5 or more)
Unreliable estimate
13%
35%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 74% of homes here, against 59% in Erie County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harris Hill
Erie County
New York
United States
Year built: Harris Hill and its comparisons
Measure
Harris Hill
Erie County
New York
United States
Before 1960
43%
55%
52%
26%
1960–1979
23%
22%
22%
24%
1980–1999
13%
13%
14%
25%
2000–2009
11%
5%
6%
14%
2010 or later
Unreliable estimate
5%
6%
11%
The typical home in Harris Hill was built in 1964, 7 years after the typical one in Erie County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K42%
$300K–$500K42%
$500K–$750K14%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harris Hill and its comparisons
Measure
Harris Hill
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
42%
$300K–$500K
42%
$500K–$750K
14%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99932%
$2,000–$2,49931%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harris Hill and its comparisons
Measure
Harris Hill
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
32%
$2,000–$2,499
31%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,874 a month
Erie County: $1,619 a month
Without a mortgage
$756 a month
Erie County: $661 a month
Owners with a mortgage
65%
Erie County: 57%
In Harris Hill, 65% of owners have a mortgage, and their typical cost is $1,874 a month, against $1,619 in Erie County. Without one it drops to $756.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harris Hill+45%
Erie County+52%
New York+35%
United States+53%
Typical rent
Harris HillNo clear change
Erie County+32%
New York+27%
United States+33%
Typical household income
Harris HillNo clear change
Erie County+25%
New York+26%
United States+29%
Change since 2015–2019: Harris Hill and its comparisons
Measure
Harris Hill
Erie County
New York
United States
Typical home value
+45%
+52%
+35%
+53%
Typical rent
No clear change
+32%
+27%
+33%
Typical household income
No clear change
+25%
+26%
+29%
Homes in Harris Hill gained value more slowly than in Erie County: 45% since 2015–2019, against 52%.
The typical rent in Harris Hill stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harris Hill and its comparisons
Measure
Harris Hill
Erie County
New York
United States
Rental vacancy
Unreliable estimate
3.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.3%
5.3%
3.4%
People per household
2.22
2.26
2.49
2.53
Drive alone
75%
72%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
3%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
Unreliable estimate
13%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Erie County, a household in Harris Hill has 2.22 people on average.
In Harris Hill, 75% of workers drive alone to work; in Erie County, 72%.
Do the math
What would you pay each month for a home in Harris Hill?
A typical home is tight for the typical income
We start with a typical home in Harris Hill, worth $322,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Harris Hill, which is $100,881 a year. For that payment to be 28% of income, a household would need to earn about $122,965 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 Harris Hill. 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 $11,291 (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
$2,869
at 7.18% · 30 years
Loan amount
$316,757
Total interest
$455,739
Paid off in
November 2056
Includes $5,448 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,354 a month
Tight
$2,354 to $3,026 a month
Your payment · 34%
Hard
more than $3,026 a month
Compared with the typical household income in Harris Hill ($100,881 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,146
Property tax
$446
Home insurance
$134
FHA mortgage insurance (MIP)
$143
You need at least $11,291 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 $2,869; principal and interest $2,146.
The city and its county
Harris Hill and Erie County
Harris Hill 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).
Harris Hill
Map of Erie County, New York, with Harris Hill marked. Around it, the neighboring counties.
Harris Hill
Erie County
Other cities with a page
Harris Hill's own numbers
Typical home value
$322,600
Typical monthly rent
$1,734
Typical yearly household income
$100,881
Households that own their home
70%
Effective property tax rate
1.66%
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 Harris Hill is worth $322,600: 38% above the county and 24% below New York. With the typical household income in Harris Hill ($100,881 a year), a typical home costs 3.2 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.
Harris Hill3.2 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
Harris Hill 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
Harris Hill$322,600
Erie$233,800
New York$423,800
United States$332,700
Typical monthly rent
Harris Hill$1,734
Erie$1,090
New York$1,621
United States$1,413
Typical yearly household income
Harris Hill$100,881
Erie$72,839
New York$85,974
United States$80,734
See the full table
Harris Hill next to Erie County and New York
Measure
Harris Hill
Erie County
New York
U.S.
Typical home value
$322,600 ▲38% above the county
$233,800
$423,800
$332,700
Typical monthly rent
$1,734 ▲59% above the county
$1,090
$1,621
$1,413
Typical yearly household income
$100,881 ▲38% above the county
$72,839
$85,974
$80,734
Households that own their home
70% ▲5 points above the county
66%
54%
65%
Typical yearly property tax
$5,343 ▲16% above the county
$4,622
$6,582
$3,119
Effective property tax rate
1.66% ▼0.32 points below the county
1.98%
1.55%
0.94%
Renters with high rent for their income
41% ▼9 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 Harris Hill
For a typical $322,600 home in Harris Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harris Hill's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,869a month
Least cash to close
Down payment
$11,291
Cash to close
$20,969
Rate
7.18%
Mortgage insurance
FHA MIP · $143
Conventional, 5% down$2,810a month
Down payment
$16,130
Cash to close
$25,808
Rate
7.18%
Mortgage insurance
PMI · $153
Conventional, 20% down, no PMI$2,329a month
Down payment
$64,520
Cash to close
$74,198
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,627a month
Down payment
$48,390
Cash to close
$58,068
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harris Hill
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,869
$11,291
$316,757
7.18%
FHA MIP · $143
$20,969
580
Conventional, 5% down
$2,810
$16,130
$306,470
7.18%
PMI · $153
$25,808
620*
Conventional, 20% down, no PMI
$2,329
$64,520
$258,080
7.18%
None
$74,198
620*
ITIN, 15% down (example)
$2,627
$48,390
$274,210
8.18%
None
$58,068
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 Harris Hill is $1,734 a month: 59% above the county. In Harris Hill, 41% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Erie County (Fiscal year 2027)
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 Harris Hill
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harris Hill is in ZIP code 14221.
For 2 bedrooms it is $1,970: $547 more than the fair market rent for Erie County ($1,423).
Fair market rent by ZIP code and size in Harris Hill, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
14221
$1,630
$1,670
$1,970
$2,400
$2,740
ZIP code2 bd3 bd
14221 $1,970$2,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harris Hill 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Harris Hill or Erie County. The ones below are statewide in New York: they work in Harris Hill 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 Harris Hill 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 Harris Hill 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 Harris Hill?
The typical home value in Harris Hill is $322,600, 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 Harris Hill?
Typical rent in Harris Hill is $1,734 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 Harris Hill?
Harris Hill 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 Harris Hill?
The typical homeowner in Harris Hill pays $5,343 a year, according to the U.S. Census Bureau. That is 1.66% of the home’s value; in Erie County, the rate is 1.98%.
Where can I find free help to buy or rent in Harris Hill?
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.
