14213 — Erie County, New York Market Snapshot
Housing market data for zip code 14213 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$197,912
Days to Sell
24
Homes Sold
26
Inventory
53
Sale-to-List
103.5%
New Listings
75
Price/SqFt
$118
Pending Sales
49
Conforming Loan Available
Most homebuyers in 14213 can comfortably use conventional financing. The median home price of $197,912 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 14213 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 14213 are selling 3.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14213 can comfortably use conventional financing. The median home price of $197,912 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 14213 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 14213
To purchase the median home at $197,912 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,666.
Monthly Payment
$1,666
Income Required
$71,414
Principal & Interest
$1,219/mo
Down Payment (5%)
$9,896
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 14213.
Estimated Monthly Payment
$1,375
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14213. Tell us what you're looking for.