13152 — Cayuga County, New York Market Snapshot
Housing market data for zip code 13152 in Cayuga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$728,625
Days to Sell
159
Homes Sold
17
Inventory
33
Sale-to-List
95.2%
New Listings
41
Price/SqFt
$346
Pending Sales
28
Conforming Loan Available
The median home in 13152 at $728,625 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 159 days on average, 13152 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 13152 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 13152 at $728,625 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 13152 are set at the county level.
2026 Loan Limits — Cayuga 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 13152
To purchase the median home at $728,625 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,732.
Monthly Payment
$5,732
Income Required
$245,678
Principal & Interest
$4,490/mo
Down Payment (5%)
$36,431
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 13152.
Estimated Monthly Payment
$4,659
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