12309 — Albany County, New York Market Snapshot
Housing market data for zip code 12309 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$382,500
Days to Sell
7
Homes Sold
70
Inventory
41
Sale-to-List
103.1%
New Listings
122
Price/SqFt
$222
Pending Sales
116
Conforming Loan Available
Most homebuyers in 12309 can comfortably use conventional financing. The median home price of $382,500 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
12309 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 12309 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12309 can comfortably use conventional financing. The median home price of $382,500 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 12309 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 12309
To purchase the median home at $382,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,081.
Monthly Payment
$3,081
Income Required
$132,025
Principal & Interest
$2,357/mo
Down Payment (5%)
$19,125
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 12309.
Estimated Monthly Payment
$2,517
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