13214 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13214 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$313,950
Days to Sell
27
Homes Sold
20
Inventory
9
Sale-to-List
101.8%
New Listings
29
Price/SqFt
$177
Pending Sales
24
Conforming Loan Available
Most homebuyers in 13214 can comfortably use conventional financing. The median home price of $313,950 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 13214 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 13214 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13214 can comfortably use conventional financing. The median home price of $313,950 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 13214 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 13214
To purchase the median home at $313,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,555.
Monthly Payment
$2,555
Income Required
$109,517
Principal & Interest
$1,934/mo
Down Payment (5%)
$15,698
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 13214.
Estimated Monthly Payment
$2,093
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 13214. Tell us what you're looking for.