12123 — Rensselaer County, New York Market Snapshot
Housing market data for zip code 12123 in Rensselaer County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Rensselaer County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$281,500
Days to Sell
23
Homes Sold
9
Inventory
4
Conforming Loan Available
Most homebuyers in 12123 can comfortably use conventional financing. The median home price of $281,500 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 12123 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 12123 can comfortably use conventional financing. The median home price of $281,500 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 12123 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 12123
To purchase the median home at $281,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,307.
Monthly Payment
$2,307
Income Required
$98,861
Principal & Interest
$1,735/mo
Down Payment (5%)
$14,075
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 12123.
Estimated Monthly Payment
$1,892
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