14132 — Niagara County, New York Market Snapshot
Housing market data for zip code 14132 in Niagara County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$290,000
Days to Sell
23
Homes Sold
13
Inventory
3
Sale-to-List
100.4%
New Listings
14
Price/SqFt
$179
Pending Sales
16
Conforming Loan Available
Most homebuyers in 14132 can comfortably use conventional financing. The median home price of $290,000 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 14132 are moving quickly at 23 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 14132 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14132 can comfortably use conventional financing. The median home price of $290,000 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 14132 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 14132
To purchase the median home at $290,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 14132.
Estimated Monthly Payment
$1,945
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