13903 — Broome County, New York Market Snapshot
Housing market data for zip code 13903 in Broome County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$176,884
Days to Sell
51
Homes Sold
50
Inventory
70
Sale-to-List
98.4%
New Listings
73
Price/SqFt
$105
Pending Sales
75
Conforming Loan Available
Most homebuyers in 13903 can comfortably use conventional financing. The median home price of $176,884 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
13903's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 13903 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13903 can comfortably use conventional financing. The median home price of $176,884 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 13903 are set at the county level.
2026 Loan Limits — Broome 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 13903
To purchase the median home at $176,884 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,505.
Monthly Payment
$1,505
Income Required
$64,510
Principal & Interest
$1,090/mo
Down Payment (5%)
$8,844
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 13903.
Estimated Monthly Payment
$1,245
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