13090 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13090 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$319,000
Days to Sell
20
Homes Sold
39
Inventory
20
Sale-to-List
104.4%
New Listings
72
Price/SqFt
$186
Pending Sales
71
Conforming Loan Available
Most homebuyers in 13090 can comfortably use conventional financing. The median home price of $319,000 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 13090 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 13090 are selling 4.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13090 can comfortably use conventional financing. The median home price of $319,000 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 13090 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 13090
To purchase the median home at $319,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,594.
Monthly Payment
$2,594
Income Required
$111,175
Principal & Interest
$1,966/mo
Down Payment (5%)
$15,950
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 13090.
Estimated Monthly Payment
$2,124
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