12302 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12302 in Saratoga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$305,000
Days to Sell
25
Homes Sold
61
Inventory
19
Sale-to-List
101.6%
New Listings
78
Price/SqFt
$218
Pending Sales
78
Conforming Loan Available
Most homebuyers in 12302 can comfortably use conventional financing. The median home price of $305,000 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
Homes in 12302 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12302 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12302 can comfortably use conventional financing. The median home price of $305,000 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 12302 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 12302
To purchase the median home at $305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,487.
Monthly Payment
$2,487
Income Required
$106,578
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,250
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 12302.
Estimated Monthly Payment
$2,038
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