14580 — Monroe County, New York Market Snapshot
Housing market data for zip code 14580 in Monroe County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$437,500
Days to Sell
7
Homes Sold
64
Inventory
44
Sale-to-List
117.1%
New Listings
151
Price/SqFt
$222
Pending Sales
120
Conforming Loan Available
Most homebuyers in 14580 can comfortably use conventional financing. The median home price of $437,500 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
14580 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14580 are selling 17.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14580 can comfortably use conventional financing. The median home price of $437,500 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 14580 are set at the county level.
2026 Loan Limits — Monroe 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 14580
To purchase the median home at $437,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,502.
Monthly Payment
$3,502
Income Required
$150,085
Principal & Interest
$2,696/mo
Down Payment (5%)
$21,875
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 14580.
Estimated Monthly Payment
$2,858
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