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Niagara Falls, New York: commercial real estate data.
Niagara Falls is a Census city of 47,987 people across 14.08 square miles of land, in Niagara County. Median household income is $49,101, 58.5 percent of occupied homes are owned, and the SBA record carries 47 7(a) approvals to borrowers here worth $10.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Niagara Falls
What Niagara Falls is
- Census place typecity
- Land area14.08 sq mi
- Water area2.75 sq mi
- Population per square mile of land3,408
- County holding the largest share of its areaNiagara County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niagara Falls
How many people live in Niagara Falls
- Population47,987
- Median age40.8
- Population under 1810,172
- Share under 1821.2 percent
- Population 65 and over8,884
- Share 65 and over18.5 percent
- Households22,730
- Family households11,783
- Share of households that are families51.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niagara Falls
Income and work in Niagara Falls
- Median household income$49,101
- Per capita income$30,707
- Civilian labor force23,409
- Employed21,152
- Unemployed2,257 plus or minus 461
- Unemployment rate9.6 percent plus or minus 1.9
- Adults 25 and over33,917
- Adults 25 and over with a high school diploma or higher88.8 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent
- Adults 25 and over with a graduate degree8.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niagara Falls
Housing in Niagara Falls
- Housing units26,251
- Occupied units22,730
- Vacant units3,521
- Vacancy rate13.4 percent
- Owner occupied13,289
- Renter occupied9,441
- Ownership rate58.5 percent
- Median owner-occupied home value$115,300
- Median gross rent, monthly$823
- Annual rent as a share of median income20.1 percent
- Single family units16,549
- Share single family63.0 percent
- Units in buildings of two or more9,258
- Share in buildings of two or more35.3 percent
- Mobile homes444 plus or minus 159
- Median year structure built1949
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niagara Falls
How Niagara Falls gets to work
- Workers 16 and over who commute18,982
- Commuting under 15 minutes8,274
- Share commuting under 15 minutes43.6 percent
- Commuting 30 minutes or more4,205
- Share commuting 30 minutes or more22.2 percent
- Drove alone73.7 percent
- Carpooled8.6 percent plus or minus 2.0
- Public transport3.4 percent plus or minus 1.1
- Walked3.5 percent plus or minus 1.1
- Worked from home7.4 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Niagara Falls
SBA loans in Niagara Falls (7(a))
- Approvals47
- Gross approval$10,350,200
- Average approval$220,217
- Median approval$50,000
- Ninetieth percentile approval$499,940
- Largest approval$3,587,500
- Jobs supported389
- Jobs per approval8.3
- Loans with a final outcome10
- Paid in full9
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more8.5 percent
- Share to franchises2.1 percent
- Distinct lenders15
- Distinct industries by NAICS34
Counted by borrower city: approvals to borrowers whose address is in Niagara Falls, in any county, FY2020 to FY2026. Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Niagara Falls
SBA loans in Niagara Falls (504)
- Approvals18
- Gross approval$25,582,000
- Average approval$1,421,222
- Median approval$687,500
- Largest approval$4,808,000
- Jobs supported234
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Niagara Falls, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Niagara Falls
Flood risk in Niagara Falls
- NFIP communityCity of Niagara Falls
- NFIP community number360506
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date05/04/21
The City of Niagara Falls participates in the National Flood Insurance Program as community 360506 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Niagara County, not Niagara Falls
Niagara County context, not Niagara Falls figures
- Establishments in Niagara County4,475
- Covered employment, Niagara County68,068
- Average annual pay, Niagara County$55,707
- Housing units permitted, Niagara County167
Every figure in this section is published for Niagara County as a whole and is not a measurement of Niagara Falls.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Niagara Falls questions, answered from the record.
How many people live in Niagara Falls, New York?
47,987, in 22,730 households. Niagara Falls city covers 14.08 square miles of land, which is 3,408 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Niagara Falls in?
Niagara County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Niagara Falls?
$49,101. The median owner-occupied home is valued at $115,300. Median gross rent is $823 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Niagara Falls businesses?
47 7(a) approvals totaling $10.4 m since FY2020, across 15 lenders, median approval $50,000, plus 18 504 approvals worth $25.6 m since FY2010. These count approvals to borrowers whose address is in Niagara Falls, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Niagara Falls borrowers get paid back?
No rate is published for Niagara Falls. Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Niagara Falls in the National Flood Insurance Program?
Yes. Niagara Falls appears in the FEMA Community Status Book as Niagara Falls, city of, community 360506, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Niagara Falls figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Niagara County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Niagara Falls.
Is zoning published for Niagara Falls?
No. Nothing on this page presents parcel level zoning.