12095 — Montgomery County, New York Market Snapshot
Housing market data for zip code 12095 in Montgomery County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$228,000
Days to Sell
44
Homes Sold
25
Inventory
24
Sale-to-List
94.6%
New Listings
37
Price/SqFt
$112
Pending Sales
31
Conforming Loan Available
Most homebuyers in 12095 can comfortably use conventional financing. The median home price of $228,000 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
12095's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 12095 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12095 can comfortably use conventional financing. The median home price of $228,000 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 12095 are set at the county level.
2026 Loan Limits — Montgomery 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 12095
To purchase the median home at $228,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,897.
Monthly Payment
$1,897
Income Required
$81,294
Principal & Interest
$1,405/mo
Down Payment (5%)
$11,400
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 12095.
Estimated Monthly Payment
$1,561
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