Qwen3:14B works fine on my 4060 Ti 16GB.
It's not good at debugging and what I would consider, "figuring complicated things out" but it's perfectly capable of working on/creating several functions at a time or generating a medium-length Python module. Which is how I prefer to write code (with AI) anyway (little bit at a time; don't let it be your architect!).
My buddy has a 5090 and runs Qwen3:27B. With that much VRAM it can handle a LOT more context and it's apparently all he needs now. He stopped paying Anthropic shortly after that model came out.
This is why MFA is important and why it should be a separate device from the user's phone.