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Buffalo, NY

Report status

US location · verified

Neighborhood intelligence

Your Buffalo relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Buffalo.

Median rent

$1,046/mo

ACS 2024 5-year

Median household income

$50,041

ACS 2024 5-year

Median home value

$164,200

ACS 2024 5-year

Safety score

38/100

FBI CDE

Weather

Typical range

Open-Meteo

Buying in Buffalo? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

38/100

FBI CDE

Worth extra due diligence — 106% above average FBI data, 2023–2024

Below Average

Noise Level

48 dB — Moderate

Open-Meteo

Peak traffic: Moderate · Nighttime baseline 38 dB

Moderate — Suburban

Environmental / Air Quality

AQI 88 — Moderate

Open-Meteo

Higher dust and allergen load in dry months — check local air alerts

Caution / Elevated Hazard Index

Neighborhood guide

Living in Buffalo NY

Buffalo is one of the more affordable options in its region at $1,046/month typical rent. Safety scores 38/100.

Buffalo has about 276,854 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Buffalo NY Safe?

Buffalo NY scores 38/100 on safety (well below average). Crime is about 106% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 206 (100 = avg); violent crime index 201; property crime index 211. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Buffalo NY

School quality varies by neighborhood in Buffalo. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Buffalo NY

Typical rent in Buffalo is about $1,046/month (affordable). At $1,046/month for a typical unit, you need about $37,656+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $164,200.

Median household income is $50,041, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($50,041) clears the $37,656 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Buffalo NY

Temperature data is thin in this report. Pull a 12-month normals chart for Buffalo and price summer AC or winter heat before you sign.

Who Should Move to Buffalo NY?

Who tends to thrive in Buffalo: (1) Renters who want $1,046/month housing without coastal prices (comfort income is about $37,656) (2) Households earning $37,656+ who can clear the 3× rent rule at $1,046/month (3) Movers with a locked job offer in Buffalo who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 38/100) (2) Households expecting top marks on rent and safety at once (Buffalo does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $37,656 household income for $1,046/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Buffalo requires serious research first. Safety scores 38/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Buffalo when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Buffalo.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,182

Mortgage + tax + insurance + HOA

Annual property tax

$2,381

Annual est. $5,580

Est. monthly utilities

$366

Climate-adjusted electric, gas & water

Median home price

$164,200

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$148k
2022
$152k
2023
$156k
2024
$160k
2025
$164k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$136/mo vs buying
$1,046ACS 2024 5-year
Rent
$1,182
Buy

Mortgage

$830

Property tax

$198

Insurance

$59

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,179/yr

2024

1.37%

$2,244/yr

2025

1.41%

$2,312/yr

2026

1.45%

$2,381/yr

Buying in Buffalo? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

X

moderate exposure

Wildfire hazard index

92 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$704/yr

moderate exposure
Wind hazard index88 (100 = avg)
Tornado index115
Earthquake index42
Insurance trendFlood zone: X

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $704.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Buffalo to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo