14001 — Niagara County, New York Market Snapshot
Housing market data for zip code 14001 in Niagara County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$330,000
Days to Sell
14
Homes Sold
11
Inventory
10
Sale-to-List
102.3%
New Listings
22
Price/SqFt
$196
Pending Sales
14
Conforming Loan Available
Most homebuyers in 14001 can comfortably use conventional financing. The median home price of $330,000 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
Homes in 14001 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 14001 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14001 can comfortably use conventional financing. The median home price of $330,000 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 14001 are set at the county level.
2026 Loan Limits — Niagara 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 14001
To purchase the median home at $330,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,678.
Monthly Payment
$2,678
Income Required
$114,787
Principal & Interest
$2,033/mo
Down Payment (5%)
$16,500
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 14001.
Estimated Monthly Payment
$2,192
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