12553 — Orange County, New York Market Snapshot
Housing market data for zip code 12553 in Orange County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$510,000
Days to Sell
73
Homes Sold
35
Inventory
47
Sale-to-List
99.2%
New Listings
69
Price/SqFt
$235
Pending Sales
41
Conforming Loan Available
Most homebuyers in 12553 can comfortably use conventional financing. The median home price of $510,000 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
With homes sitting for 73 days on average, 12553 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 12553 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12553 can comfortably use conventional financing. The median home price of $510,000 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 12553 are set at the county level.
2026 Loan Limits — Orange 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 12553
To purchase the median home at $510,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,057.
Monthly Payment
$4,057
Income Required
$173,891
Principal & Interest
$3,142/mo
Down Payment (5%)
$25,500
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 12553.
Estimated Monthly Payment
$3,306
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