14222 — Erie County, New York Market Snapshot
Housing market data for zip code 14222 in Erie County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$494,500
Days to Sell
22
Homes Sold
26
Inventory
15
Sale-to-List
99.6%
New Listings
41
Price/SqFt
$225
Pending Sales
35
Conforming Loan Available
Most homebuyers in 14222 can comfortably use conventional financing. The median home price of $494,500 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
Homes in 14222 are moving quickly at 22 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 14222 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14222 can comfortably use conventional financing. The median home price of $494,500 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 14222 are set at the county level.
2026 Loan Limits — Erie 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 14222
To purchase the median home at $494,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,939.
Monthly Payment
$3,939
Income Required
$168,801
Principal & Interest
$3,047/mo
Down Payment (5%)
$24,725
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 14222.
Estimated Monthly Payment
$3,210
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