Median home value in zip code 14047 (Derby, NY) is $245K, up 5.0% year over year. Part of the Buffalo-Cheektowaga, NY metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Buffalo-Cheektowaga, NY metro →

Home Value$244,878

YoY Change

+5.0%

AFFORDABILITY

Enter your income for 14047 (Derby).

Income (annual)

Down Payment

$48,976 on $244,878

Stretch — 29.3% of income

Above 28% but manageable with cuts.

PITI$1,831

P/I29.3%

Afford$234K

Gap-$11K

P&I $1,238Tax $443Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

14047 is part of the Buffalo-Cheektowaga, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Buffalo-Cheektowaga, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free