14207 — Erie County, New York Market Snapshot
Housing market data for zip code 14207 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$161,000
Days to Sell
35
Homes Sold
21
Inventory
65
Sale-to-List
105.9%
New Listings
77
Price/SqFt
$133
Pending Sales
37
Conforming Loan Available
Most homebuyers in 14207 can comfortably use conventional financing. The median home price of $161,000 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
14207's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 14207 are selling 5.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14207 can comfortably use conventional financing. The median home price of $161,000 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 14207 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 14207
To purchase the median home at $161,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,384.
Monthly Payment
$1,384
Income Required
$59,294
Principal & Interest
$992/mo
Down Payment (5%)
$8,050
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 14207.
Estimated Monthly Payment
$1,146
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