12538 — Dutchess County, New York Market Snapshot
Housing market data for zip code 12538 in Dutchess County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$427,200
Days to Sell
82
Homes Sold
28
Inventory
38
Sale-to-List
99.4%
New Listings
54
Price/SqFt
$241
Pending Sales
27
Conforming Loan Available
Most homebuyers in 12538 can comfortably use conventional financing. The median home price of $427,200 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
With homes sitting for 82 days on average, 12538 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
Homes are selling very close to asking price in 12538 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12538 can comfortably use conventional financing. The median home price of $427,200 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 12538 are set at the county level.
2026 Loan Limits — Dutchess 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 12538
To purchase the median home at $427,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,423.
Monthly Payment
$3,423
Income Required
$146,703
Principal & Interest
$2,632/mo
Down Payment (5%)
$21,360
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 12538.
Estimated Monthly Payment
$2,794
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