14456 — Seneca County, New York Market Snapshot
Housing market data for zip code 14456 in Seneca County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$192,450
Days to Sell
26
Homes Sold
38
Inventory
48
Sale-to-List
97.4%
New Listings
88
Price/SqFt
$121
Pending Sales
62
Conforming Loan Available
Most homebuyers in 14456 can comfortably use conventional financing. The median home price of $192,450 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 14456 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 14456 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 14456 can comfortably use conventional financing. The median home price of $192,450 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 14456 are set at the county level.
2026 Loan Limits — Seneca 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 14456
To purchase the median home at $192,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,624.
Monthly Payment
$1,624
Income Required
$69,621
Principal & Interest
$1,186/mo
Down Payment (5%)
$9,623
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 14456.
Estimated Monthly Payment
$1,341
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14456. Tell us what you're looking for.