Español

Este sitio también está en español. Leer en español

City · 7,020 residents · Erie County, New York

University at Buffalo , New York

WhatsApp

University at Buffalo 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

The homes here

Housing in University at Buffalo

What homes there are in University at Buffalo, 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
Year built

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

Monthly rent with utilities

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

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

MeasureUniversity at BuffaloErie CountyNew YorkUnited States
Rental vacancy Unreliable estimate3.8%3.8%5.5%
More than one person per room Unreliable estimate1.3%5.3%3.4%
People per household 2.162.262.492.53
Drive alone 45%72%49%69%
Carpool Unreliable estimate8%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike 28%3%6%3%
Work from home 12%13%15%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Erie County, a household in University at Buffalo has 2.16 people on average.

Many here get to work on foot or by bike: 28%, more than in Erie County (3%).

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 University at Buffalo?

The Census Bureau publishes no typical home value or typical household income for University at Buffalo, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for University at Buffalo, so the calculator starts with the one for Erie County: $233,800. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Erie County. Change the price, the down payment or the loan type and see how your payment changes.

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 University at Buffalo. 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 $8,183 (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

$2,142

at 7.18% · 30 years

Loan amount
$229,565
Total interest
$330,291
Paid off in
November 2056

Includes $3,948 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$2,142
Principal & interest$1,555
Property tax$386
Home insurance$97
FHA mortgage insurance (MIP)$103

You need at least $8,183 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

University at Buffalo and Erie County

University at Buffalo 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).

University at Buffalo's own numbers

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 University at Buffalo

The Census Bureau publishes no typical home value for University at Buffalo. Below are the numbers for Erie County.

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

University at Buffalo 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.

Data not available for this place

Four ways to pay for a typical home in University at Buffalo

The Census Bureau publishes no typical home value for University at Buffalo, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 University at Buffalo and for Erie County.

Property tax

Data not available for this place

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 University at Buffalo

The Census Bureau publishes no typical rent for University at Buffalo. Below are the fair market rents for Erie County.

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 University at Buffalo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). University at Buffalo has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,800 in 14228 to $1,850 in 14261.

3 of the 3 are above the fair market rent for Erie County ($1,423).

  • 14228 $1,800$2,190
  • 14260 $1,800$2,190
  • 14261 $1,850$2,250

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for University at Buffalo 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 University at Buffalo

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in University at Buffalo

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

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

Housing counselors near University at Buffalo

The HUD-approved agencies closest to the center of University at Buffalo, 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 · 5 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 · 6 miles away

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

  • Buffalo Urban League, Inc.

    15 Genesee St, Buffalo · 9 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 University at Buffalo

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 University at Buffalo

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

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about University at Buffalo

Short answers with the numbers for University at Buffalo and all of Erie County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

What is the FHA loan limit in University at Buffalo?

University at Buffalo 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.

Where can I find free help to buy or rent in University at Buffalo?

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).