14610 — Monroe County, New York Market Snapshot
Housing market data for zip code 14610 in Monroe County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$412,500
Days to Sell
8
Homes Sold
28
Inventory
12
Sale-to-List
115.1%
New Listings
66
Price/SqFt
$212
Pending Sales
61
Conforming Loan Available
Most homebuyers in 14610 can comfortably use conventional financing. The median home price of $412,500 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
14610 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14610 are selling 15.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14610 can comfortably use conventional financing. The median home price of $412,500 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 14610 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 14610
To purchase the median home at $412,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,310.
Monthly Payment
$3,310
Income Required
$141,876
Principal & Interest
$2,542/mo
Down Payment (5%)
$20,625
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 14610.
Estimated Monthly Payment
$2,703
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