14070 — Cattaraugus County, New York Market Snapshot
Housing market data for zip code 14070 in Cattaraugus County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$157,250
Days to Sell
14
Homes Sold
10
Inventory
4
Sale-to-List
101.4%
New Listings
12
Price/SqFt
$138
Pending Sales
12
Conforming Loan Available
Most homebuyers in 14070 can comfortably use conventional financing. The median home price of $157,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 14070 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 14070 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14070 can comfortably use conventional financing. The median home price of $157,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 14070 are set at the county level.
2026 Loan Limits — Cattaraugus County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 14070
To purchase the median home at $157,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,355.
Monthly Payment
$1,355
Income Required
$58,063
Principal & Interest
$969/mo
Down Payment (5%)
$7,863
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 14070.
Estimated Monthly Payment
$1,123
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