13069 — Oswego County, New York Market Snapshot
Housing market data for zip code 13069 in Oswego County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$145,500
Days to Sell
21
Homes Sold
34
Inventory
24
Sale-to-List
100.7%
New Listings
61
Price/SqFt
$113
Pending Sales
48
Conforming Loan Available
Most homebuyers in 13069 can comfortably use conventional financing. The median home price of $145,500 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 13069 are moving quickly at 21 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 13069 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13069 can comfortably use conventional financing. The median home price of $145,500 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 13069 are set at the county level.
2026 Loan Limits — Oswego 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 13069
To purchase the median home at $145,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,265.
Monthly Payment
$1,265
Income Required
$54,204
Principal & Interest
$897/mo
Down Payment (5%)
$7,275
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 13069.
Estimated Monthly Payment
$1,050
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