12078 — Fulton County, New York Market Snapshot
Housing market data for zip code 12078 in Fulton County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$202,500
Days to Sell
22
Homes Sold
38
Inventory
33
Sale-to-List
101.5%
New Listings
55
Price/SqFt
$123
Pending Sales
44
Conforming Loan Available
Most homebuyers in 12078 can comfortably use conventional financing. The median home price of $202,500 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
Homes in 12078 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12078 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12078 can comfortably use conventional financing. The median home price of $202,500 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 12078 are set at the county level.
2026 Loan Limits — Fulton 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 12078
To purchase the median home at $202,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,701.
Monthly Payment
$1,701
Income Required
$72,921
Principal & Interest
$1,248/mo
Down Payment (5%)
$10,125
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 12078.
Estimated Monthly Payment
$1,403
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