13601 — Lewis County, New York Market Snapshot
Housing market data for zip code 13601 in Lewis County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$247,500
Days to Sell
95
Homes Sold
79
Inventory
148
Sale-to-List
98.7%
New Listings
151
Price/SqFt
$141
Pending Sales
134
Conforming Loan Available
Most homebuyers in 13601 can comfortably use conventional financing. The median home price of $247,500 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
With homes sitting for 95 days on average, 13601 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 13601 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13601 can comfortably use conventional financing. The median home price of $247,500 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 13601 are set at the county level.
2026 Loan Limits — Lewis 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 13601
To purchase the median home at $247,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,046.
Monthly Payment
$2,046
Income Required
$87,697
Principal & Interest
$1,525/mo
Down Payment (5%)
$12,375
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 13601.
Estimated Monthly Payment
$1,682
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