14437 — Steuben County, New York Market Snapshot
Housing market data for zip code 14437 in Steuben County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$132,500
Days to Sell
46
Homes Sold
10
Inventory
13
Sale-to-List
91.7%
New Listings
23
Price/SqFt
$74
Pending Sales
18
Conforming Loan Available
Most homebuyers in 14437 can comfortably use conventional financing. The median home price of $132,500 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
14437's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 14437 sells for 8.3% below asking price (91.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 14437 can comfortably use conventional financing. The median home price of $132,500 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 14437 are set at the county level.
2026 Loan Limits — Steuben 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 14437
To purchase the median home at $132,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,165.
Monthly Payment
$1,165
Income Required
$49,936
Principal & Interest
$816/mo
Down Payment (5%)
$6,625
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 14437.
Estimated Monthly Payment
$970
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14437. Tell us what you're looking for.