14212 — Erie County, New York Market Snapshot
Housing market data for zip code 14212 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$163,400
Days to Sell
43
Homes Sold
18
Inventory
22
Sale-to-List
106.2%
New Listings
38
Price/SqFt
$102
Pending Sales
28
Conforming Loan Available
Most homebuyers in 14212 can comfortably use conventional financing. The median home price of $163,400 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
14212's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 14212 are selling 6.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14212 can comfortably use conventional financing. The median home price of $163,400 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 14212 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 14212
To purchase the median home at $163,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,402.
Monthly Payment
$1,402
Income Required
$60,082
Principal & Interest
$1,007/mo
Down Payment (5%)
$8,170
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 14212.
Estimated Monthly Payment
$1,161
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