14435 — Livingston County, New York Market Snapshot
Housing market data for zip code 14435 in Livingston 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
$408,750
Days to Sell
10
Homes Sold
10
Inventory
3
Sale-to-List
104.8%
New Listings
12
Price/SqFt
$171
Pending Sales
10
Conforming Loan Available
Most homebuyers in 14435 can comfortably use conventional financing. The median home price of $408,750 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
14435 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14435 are selling 4.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14435 can comfortably use conventional financing. The median home price of $408,750 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 14435 are set at the county level.
2026 Loan Limits — Livingston 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 14435
To purchase the median home at $408,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,282.
Monthly Payment
$3,282
Income Required
$140,645
Principal & Interest
$2,519/mo
Down Payment (5%)
$20,438
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 14435.
Estimated Monthly Payment
$2,680
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