13215 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13215 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$406,125
Days to Sell
26
Homes Sold
15
Inventory
27
Sale-to-List
104.4%
New Listings
42
Price/SqFt
$190
Pending Sales
28
Conforming Loan Available
Most homebuyers in 13215 can comfortably use conventional financing. The median home price of $406,125 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 13215 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 13215 are selling 4.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13215 can comfortably use conventional financing. The median home price of $406,125 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 13215 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 13215
To purchase the median home at $406,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,262.
Monthly Payment
$3,262
Income Required
$139,783
Principal & Interest
$2,502/mo
Down Payment (5%)
$20,306
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 13215.
Estimated Monthly Payment
$2,663
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