In West Seneca, a typical home is worth $232,800 and typical rent is $1,106 a month. Compared with all of Erie County, typical household income is 9% higher and the share of households that own their home is 11 points higher.
West Seneca 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 Lackawanna, the typical home value is $140,700: 40% less than in West Seneca ($232,800).
2
Nearby, in Lackawanna, the typical rent is $872: 21% less than in West Seneca ($1,106).
3
77% of households in West Seneca own their home, against 66% in Erie County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Seneca
What homes there are in West Seneca, 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
West Seneca
Erie County
New York
United States
Kind of home: West Seneca and its comparisons
Measure
West Seneca
Erie County
New York
United States
Detached house
69%
59%
41%
61%
Attached house
2%
3%
6%
6%
Building of 2 to 4
13%
23%
17%
8%
Apartments (5 or more)
15%
13%
35%
19%
Mobile home
1%
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In West Seneca, 7 in 10 homes are single-family detached houses; in Erie County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
West Seneca
Erie County
New York
United States
Year built: West Seneca and its comparisons
Measure
West Seneca
Erie County
New York
United States
Before 1960
37%
55%
52%
26%
1960–1979
36%
22%
22%
24%
1980–1999
15%
13%
14%
25%
2000–2009
6%
5%
6%
14%
2010 or later
6%
5%
6%
11%
Homes in West Seneca are newer: the typical year built is 1967; in Erie County, 1957.
Homes in West Seneca are bigger: 68% have 3 bedrooms or more; in Erie County, 64%.
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 $100K8%
$100K–$200K28%
$200K–$300K38%
$300K–$500K24%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: West Seneca and its comparisons
Measure
West Seneca
Under $100K
8%
$100K–$200K
28%
$200K–$300K
38%
$300K–$500K
24%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Erie County is $541,287, and about 97% of owner-occupied homes in West Seneca are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99933%
$1,000–$1,49948%
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: West Seneca and its comparisons
Measure
West Seneca
Under $500
Unreliable estimate
$500–$999
33%
$1,000–$1,499
48%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,644 a month
Erie County: $1,619 a month
Without a mortgage
$664 a month
Erie County: $661 a month
Owners with a mortgage
59%
Erie County: 57%
The typical cost for an owner with a mortgage in West Seneca is $1,644 a month, near the figure in Erie County ($1,619).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Seneca+54%
Erie County+52%
New York+35%
United States+53%
Typical rent
West Seneca+33%
Erie County+32%
New York+27%
United States+33%
Typical household income
West Seneca+18%
Erie County+25%
New York+26%
United States+29%
Change since 2015–2019: West Seneca and its comparisons
Measure
West Seneca
Erie County
New York
United States
Typical home value
+54%
+52%
+35%
+53%
Typical rent
+33%
+32%
+27%
+33%
Typical household income
+18%
+25%
+26%
+29%
Much as in Erie County, the typical home value in West Seneca rose 54% since 2015–2019.
The typical rent in West Seneca rose 33% since 2015–2019, about the same as in Erie County (32%).
The typical household income in West Seneca rose 18%: less than home values (+54%) and rent (+33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Seneca and its comparisons
Measure
West Seneca
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
2.24
2.26
2.49
2.53
Drive alone
81%
72%
49%
69%
Carpool
6%
8%
6%
9%
Public transit
Unreliable estimate
3%
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
10%
13%
15%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Erie County, a household in West Seneca has 2.24 people on average.
In West Seneca, 81% of workers drive alone to work; in Erie County, 72%.
Do the math
What would you pay each month for a home in West Seneca?
A typical home is tight for the typical income
We start with a typical home in West Seneca, worth $232,800, 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 West Seneca, which is $79,709 a year. For that payment to be 28% of income, a household would need to earn about $93,475 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 West Seneca. 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 $8,148 (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
$2,181
at 7.18% · 30 years
Loan amount
$228,583
Total interest
$328,878
Paid off in
November 2056
Includes $3,931 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,860 a month
Tight
$1,860 to $2,391 a month
Your payment · 33%
Hard
more than $2,391 a month
Compared with the typical household income in West Seneca ($79,709 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,549
Property tax
$433
Home insurance
$97
FHA mortgage insurance (MIP)
$103
You need at least $8,148 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 $2,181; principal and interest $1,549.
The city and its county
West Seneca and Erie County
West Seneca 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).
West Seneca
Map of Erie County, New York, with West Seneca marked. Around it, the neighboring counties.
West Seneca
Erie County
Other cities with a page
West Seneca's own numbers
Typical home value
$232,800
Typical monthly rent
$1,106
Typical yearly household income
$79,709
Households that own their home
77%
Effective property tax rate
2.23%
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 West Seneca is worth $232,800: about the same as the county and 45% below New York. With the typical household income in West Seneca ($79,709 a year), a typical home costs 2.9 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.
West Seneca2.9 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
West Seneca 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
West Seneca$232,800
Erie$233,800
New York$423,800
United States$332,700
Typical monthly rent
West Seneca$1,106
Erie$1,090
New York$1,621
United States$1,413
Typical yearly household income
West Seneca$79,709
Erie$72,839
New York$85,974
United States$80,734
See the full table
West Seneca next to Erie County and New York
Measure
West Seneca
Erie County
New York
U.S.
Typical home value
$232,800
$233,800
$423,800
$332,700
Typical monthly rent
$1,106
$1,090
$1,621
$1,413
Typical yearly household income
$79,709 ▲9% above the county
$72,839
$85,974
$80,734
Households that own their home
77% ▲11 points above the county
66%
54%
65%
Typical yearly property tax
$5,199 ▲12% above the county
$4,622
$6,582
$3,119
Effective property tax rate
2.23% ▲0.25 points above the county
1.98%
1.55%
0.94%
Renters with high rent for their income
48% ▼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 West Seneca
For a typical $232,800 home in West Seneca, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Seneca's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,181a month
Least cash to close
Down payment
$8,148
Cash to close
$15,132
Rate
7.18%
Mortgage insurance
FHA MIP · $103
Conventional, 5% down$2,138a month
Down payment
$11,640
Cash to close
$18,624
Rate
7.18%
Mortgage insurance
PMI · $111
Conventional, 20% down, no PMI$1,791a month
Down payment
$46,560
Cash to close
$53,544
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,006a month
Down payment
$34,920
Cash to close
$41,904
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Seneca
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,181
$8,148
$228,583
7.18%
FHA MIP · $103
$15,132
580
Conventional, 5% down
$2,138
$11,640
$221,160
7.18%
PMI · $111
$18,624
620*
Conventional, 20% down, no PMI
$1,791
$46,560
$186,240
7.18%
None
$53,544
620*
ITIN, 15% down (example)
$2,006
$34,920
$197,880
8.18%
None
$41,904
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 West Seneca is $1,106 a month: about the same as the county. In West Seneca, 48% 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.
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 West Seneca or Erie County. The ones below are statewide in New York: they work in West Seneca 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 West Seneca 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 West Seneca 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 West Seneca?
The typical home value in West Seneca is $232,800, 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 West Seneca?
Typical rent in West Seneca is $1,106 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 West Seneca?
West Seneca 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 West Seneca?
The typical homeowner in West Seneca pays $5,199 a year, according to the U.S. Census Bureau. That is 2.23% of the home’s value; in Erie County, the rate is 1.98%.
Where can I find free help to buy or rent in West Seneca?
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.
