14020 — Genesee County, New York Market Snapshot
Housing market data for zip code 14020 in Genesee County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$225,000
Days to Sell
20
Homes Sold
21
Inventory
7
Sale-to-List
104.7%
New Listings
38
Price/SqFt
$139
Pending Sales
37
Conforming Loan Available
Most homebuyers in 14020 can comfortably use conventional financing. The median home price of $225,000 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 14020 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 14020 are selling 4.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14020 can comfortably use conventional financing. The median home price of $225,000 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 14020 are set at the county level.
2026 Loan Limits — Genesee 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 14020
To purchase the median home at $225,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,874.
Monthly Payment
$1,874
Income Required
$80,309
Principal & Interest
$1,386/mo
Down Payment (5%)
$11,250
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 14020.
Estimated Monthly Payment
$1,542
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