14072 — Erie County, New York Market Snapshot
Housing market data for zip code 14072 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$388,500
Days to Sell
24
Homes Sold
32
Inventory
27
Sale-to-List
100.7%
New Listings
77
Price/SqFt
$212
Pending Sales
55
Conforming Loan Available
Most homebuyers in 14072 can comfortably use conventional financing. The median home price of $388,500 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 14072 are moving quickly at 24 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 14072 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14072 can comfortably use conventional financing. The median home price of $388,500 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 14072 are set at the county level.
2026 Loan Limits — Erie 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 14072
To purchase the median home at $388,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,127.
Monthly Payment
$3,127
Income Required
$133,995
Principal & Interest
$2,394/mo
Down Payment (5%)
$19,425
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 14072.
Estimated Monthly Payment
$2,554
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