14120 — Niagara County, New York Market Snapshot
Housing market data for zip code 14120 in Niagara County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$262,000
Days to Sell
11
Homes Sold
54
Inventory
34
Sale-to-List
108.0%
New Listings
127
Price/SqFt
$192
Pending Sales
108
Conforming Loan Available
Most homebuyers in 14120 can comfortably use conventional financing. The median home price of $262,000 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
14120 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 14120 are selling 8.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 14120 can comfortably use conventional financing. The median home price of $262,000 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 14120 are set at the county level.
2026 Loan Limits — Niagara 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 14120
To purchase the median home at $262,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,458
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,100
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 14120.
Estimated Monthly Payment
$1,771
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14120. Tell us what you're looking for.