12180 — Rensselaer County, New York Market Snapshot
Housing market data for zip code 12180 in Rensselaer County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$507,818
Days to Sell
20
Homes Sold
13
Inventory
12
Sale-to-List
102.8%
New Listings
13
Price/SqFt
$285
Pending Sales
11
Conforming Loan Available
Most homebuyers in 12180 can comfortably use conventional financing. The median home price of $507,818 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 12180 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 12180 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12180 can comfortably use conventional financing. The median home price of $507,818 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 12180 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 12180
To purchase the median home at $507,818 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,041.
Monthly Payment
$4,041
Income Required
$173,174
Principal & Interest
$3,129/mo
Down Payment (5%)
$25,391
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 12180.
Estimated Monthly Payment
$3,293
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