14127 — Erie County, New York Market Snapshot
Housing market data for zip code 14127 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$411,000
Days to Sell
11
Homes Sold
55
Inventory
32
Sale-to-List
103.2%
New Listings
93
Price/SqFt
$225
Pending Sales
75
Conforming Loan Available
Most homebuyers in 14127 can comfortably use conventional financing. The median home price of $411,000 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
14127 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14127 are selling 3.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14127 can comfortably use conventional financing. The median home price of $411,000 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 14127 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 14127
To purchase the median home at $411,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,299.
Monthly Payment
$3,299
Income Required
$141,384
Principal & Interest
$2,532/mo
Down Payment (5%)
$20,550
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 14127.
Estimated Monthly Payment
$2,694
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