12118 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12118 in Saratoga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$439,069
Days to Sell
12
Homes Sold
57
Inventory
47
Sale-to-List
102.5%
New Listings
66
Price/SqFt
$265
Pending Sales
57
Conforming Loan Available
Most homebuyers in 12118 can comfortably use conventional financing. The median home price of $439,069 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
12118 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 12118 are selling 2.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12118 can comfortably use conventional financing. The median home price of $439,069 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 12118 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 12118
To purchase the median home at $439,069 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,514.
Monthly Payment
$3,514
Income Required
$150,600
Principal & Interest
$2,705/mo
Down Payment (5%)
$21,953
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 12118.
Estimated Monthly Payment
$2,867
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