14086 — Erie County, New York Market Snapshot
Housing market data for zip code 14086 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$396,375
Days to Sell
13
Homes Sold
40
Inventory
30
Sale-to-List
105.2%
New Listings
94
Price/SqFt
$250
Pending Sales
74
Conforming Loan Available
Most homebuyers in 14086 can comfortably use conventional financing. The median home price of $396,375 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
14086 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14086 are selling 5.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14086 can comfortably use conventional financing. The median home price of $396,375 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 14086 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 14086
To purchase the median home at $396,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,187.
Monthly Payment
$3,187
Income Required
$136,582
Principal & Interest
$2,442/mo
Down Payment (5%)
$19,819
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 14086.
Estimated Monthly Payment
$2,603
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