13037 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13037 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$335,000
Days to Sell
9
Homes Sold
16
Inventory
22
Sale-to-List
101.3%
New Listings
36
Price/SqFt
$187
Pending Sales
34
Conforming Loan Available
Most homebuyers in 13037 can comfortably use conventional financing. The median home price of $335,000 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
13037 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 13037 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13037 can comfortably use conventional financing. The median home price of $335,000 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 13037 are set at the county level.
2026 Loan Limits — Onondaga 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 13037
To purchase the median home at $335,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,717.
Monthly Payment
$2,717
Income Required
$116,428
Principal & Interest
$2,064/mo
Down Payment (5%)
$16,750
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 13037.
Estimated Monthly Payment
$2,223
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