13478 — Oneida County, New York Market Snapshot
Housing market data for zip code 13478 in Oneida County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes 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
5 sales in 2026 (year to date)
Median Sale Price
$306,000
Days to Sell
13
Homes Sold
5
Inventory
5
Conforming Loan Available
Most homebuyers in 13478 can comfortably use conventional financing. The median home price of $306,000 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
13478 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 13478 can comfortably use conventional financing. The median home price of $306,000 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 13478 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 13478
To purchase the median home at $306,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,494.
Monthly Payment
$2,494
Income Required
$106,906
Principal & Interest
$1,885/mo
Down Payment (5%)
$15,300
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 13478.
Estimated Monthly Payment
$2,044
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