14585 — Ontario County, New York Market Snapshot
Housing market data for zip code 14585 in Ontario County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Ontario County county page for broader data.
Market Sales Data
1 sales in 2019
Median Sale Price
$63,900
Days to Sell
243
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 14585 can comfortably use conventional financing. The median home price of $63,900 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
With homes sitting for 243 days on average, 14585 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 14585 can comfortably use conventional financing. The median home price of $63,900 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 14585 are set at the county level.
2026 Loan Limits — Ontario 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 14585
To purchase the median home at $63,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $640.
Monthly Payment
$640
Income Required
$27,411
Principal & Interest
$394/mo
Down Payment (5%)
$3,195
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 14585.
Estimated Monthly Payment
$545
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