13413 — Oneida County, New York Market Snapshot
Housing market data for zip code 13413 in Oneida County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$350,000
Days to Sell
24
Homes Sold
21
Inventory
25
Sale-to-List
96.9%
New Listings
50
Price/SqFt
$178
Pending Sales
31
Conforming Loan Available
Most homebuyers in 13413 can comfortably use conventional financing. The median home price of $350,000 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
Homes in 13413 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 13413 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13413 can comfortably use conventional financing. The median home price of $350,000 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 13413 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 13413
To purchase the median home at $350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
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 13413.
Estimated Monthly Payment
$2,316
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