12203 — Albany County, New York Market Snapshot
Housing market data for zip code 12203 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$341,237
Days to Sell
9
Homes Sold
55
Inventory
27
Sale-to-List
103.3%
New Listings
80
Price/SqFt
$193
Pending Sales
81
Conforming Loan Available
Most homebuyers in 12203 can comfortably use conventional financing. The median home price of $341,237 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
12203 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 12203 are selling 3.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12203 can comfortably use conventional financing. The median home price of $341,237 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 12203 are set at the county level.
2026 Loan Limits — Albany 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 12203
To purchase the median home at $341,237 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,764.
Monthly Payment
$2,764
Income Required
$118,476
Principal & Interest
$2,103/mo
Down Payment (5%)
$17,062
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 12203.
Estimated Monthly Payment
$2,262
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