13313 — Oneida County, New York Market Snapshot
Housing market data for zip code 13313 in Oneida County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Oneida County county page for broader data.
Market Sales Data
1 sales in 2024
Median Sale Price
$136,170
Days to Sell
77
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 13313 can comfortably use conventional financing. The median home price of $136,170 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 77 days on average, 13313 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 13313 can comfortably use conventional financing. The median home price of $136,170 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 13313 are set at the county level.
2026 Loan Limits — Oneida 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 13313
To purchase the median home at $136,170 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,193.
Monthly Payment
$1,193
Income Required
$51,141
Principal & Interest
$839/mo
Down Payment (5%)
$6,809
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 13313.
Estimated Monthly Payment
$993
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