13350 — Herkimer County, New York Market Snapshot
Housing market data for zip code 13350 in Herkimer 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
$177,450
Days to Sell
80
Homes Sold
17
Inventory
24
Sale-to-List
95.6%
New Listings
31
Price/SqFt
$101
Pending Sales
27
Conforming Loan Available
Most homebuyers in 13350 can comfortably use conventional financing. The median home price of $177,450 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 80 days on average, 13350 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 13350 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13350 can comfortably use conventional financing. The median home price of $177,450 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 13350 are set at the county level.
2026 Loan Limits — Herkimer 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 13350
To purchase the median home at $177,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,510.
Monthly Payment
$1,510
Income Required
$64,696
Principal & Interest
$1,093/mo
Down Payment (5%)
$8,873
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 13350.
Estimated Monthly Payment
$1,248
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