Buffalo, located at the head of the Niagara River, is the seat of Erie County, and is the second largest city in New York State. It is a major railroad hub, the largest grain-milling center in the country, and is the largest steel manufacturer. The city is the headquarters of M&T Bank, a Fortune 500 company. The average home value is $144,500; rent is $601, and the average income is $34,086. Banks such as HSBC Bank USA, Bank of America and KeyBank have corporate operations in Buffalo.
