12590 — Dutchess County, New York Market Snapshot
Housing market data for zip code 12590 in Dutchess 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
$508,250
Days to Sell
36
Homes Sold
50
Inventory
68
Sale-to-List
100.8%
New Listings
101
Price/SqFt
$275
Pending Sales
71
Conforming Loan Available
Most homebuyers in 12590 can comfortably use conventional financing. The median home price of $508,250 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
12590's market is balanced with homes taking an average of 36 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 12590 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12590 can comfortably use conventional financing. The median home price of $508,250 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 12590 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 12590
To purchase the median home at $508,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,044.
Monthly Payment
$4,044
Income Required
$173,316
Principal & Interest
$3,132/mo
Down Payment (5%)
$25,413
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 12590.
Estimated Monthly Payment
$3,295
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