13224 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13224 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$232,720
Days to Sell
7
Homes Sold
11
Inventory
7
Sale-to-List
105.5%
New Listings
20
Price/SqFt
$160
Pending Sales
23
Conforming Loan Available
Most homebuyers in 13224 can comfortably use conventional financing. The median home price of $232,720 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
13224 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 13224 are selling 5.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13224 can comfortably use conventional financing. The median home price of $232,720 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 13224 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 13224
To purchase the median home at $232,720 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,933.
Monthly Payment
$1,933
Income Required
$82,844
Principal & Interest
$1,434/mo
Down Payment (5%)
$11,636
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 13224.
Estimated Monthly Payment
$1,590
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