14701 — Chautauqua County, New York Market Snapshot
Housing market data for zip code 14701 in Chautauqua County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
51 sales in 2026 (year to date)
Median Sale Price
$129,000
Days to Sell
59
Homes Sold
51
Inventory
79
Sale-to-List
95.5%
New Listings
111
Price/SqFt
$84
Pending Sales
102
Conforming Loan Available
Most homebuyers in 14701 can comfortably use conventional financing. The median home price of $129,000 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
14701's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 14701 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 14701 can comfortably use conventional financing. The median home price of $129,000 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 14701 are set at the county level.
2026 Loan Limits — Chautauqua 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 14701
To purchase the median home at $129,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,138.
Monthly Payment
$1,138
Income Required
$48,787
Principal & Interest
$795/mo
Down Payment (5%)
$6,450
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 14701.
Estimated Monthly Payment
$948
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