12061 — Rensselaer County, New York Market Snapshot
Housing market data for zip code 12061 in Rensselaer County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$388,000
Days to Sell
6
Homes Sold
19
Inventory
6
Sale-to-List
101.6%
New Listings
20
Price/SqFt
$236
Pending Sales
18
Conforming Loan Available
Most homebuyers in 12061 can comfortably use conventional financing. The median home price of $388,000 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
12061 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12061 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12061 can comfortably use conventional financing. The median home price of $388,000 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 12061 are set at the county level.
2026 Loan Limits — Rensselaer 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 12061
To purchase the median home at $388,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,123.
Monthly Payment
$3,123
Income Required
$133,831
Principal & Interest
$2,391/mo
Down Payment (5%)
$19,400
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 12061.
Estimated Monthly Payment
$2,551
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