14085 — Erie County, New York Market Snapshot
Housing market data for zip code 14085 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$360,000
Days to Sell
14
Homes Sold
14
Inventory
10
Sale-to-List
103.4%
New Listings
35
Price/SqFt
$207
Pending Sales
25
Conforming Loan Available
Most homebuyers in 14085 can comfortably use conventional financing. The median home price of $360,000 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
Homes in 14085 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 in 14085 are selling 3.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14085 can comfortably use conventional financing. The median home price of $360,000 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 14085 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 14085
To purchase the median home at $360,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,908.
Monthly Payment
$2,908
Income Required
$124,638
Principal & Interest
$2,218/mo
Down Payment (5%)
$18,000
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 14085.
Estimated Monthly Payment
$2,378
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