14092 — Niagara County, New York Market Snapshot
Housing market data for zip code 14092 in Niagara County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$324,900
Days to Sell
29
Homes Sold
15
Inventory
12
Sale-to-List
99.5%
New Listings
23
Price/SqFt
$207
Pending Sales
16
Conforming Loan Available
Most homebuyers in 14092 can comfortably use conventional financing. The median home price of $324,900 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 14092 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 14092 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14092 can comfortably use conventional financing. The median home price of $324,900 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 14092 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 14092
To purchase the median home at $324,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,639.
Monthly Payment
$2,639
Income Required
$113,112
Principal & Interest
$2,002/mo
Down Payment (5%)
$16,245
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 14092.
Estimated Monthly Payment
$2,161
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