12065 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12065 in Saratoga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$561,560
Days to Sell
5
Homes Sold
54
Inventory
39
Sale-to-List
104.5%
New Listings
94
Price/SqFt
$246
Pending Sales
91
Conforming Loan Available
Most homebuyers in 12065 can comfortably use conventional financing. The median home price of $561,560 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
12065 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 12065 are selling 4.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12065 can comfortably use conventional financing. The median home price of $561,560 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 12065 are set at the county level.
2026 Loan Limits — Saratoga 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 12065
To purchase the median home at $561,560 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,452.
Monthly Payment
$4,452
Income Required
$190,821
Principal & Interest
$3,460/mo
Down Payment (5%)
$28,078
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 12065.
Estimated Monthly Payment
$3,625
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