12010 — Schenectady County, New York Market Snapshot
Housing market data for zip code 12010 in Schenectady County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$200,000
Days to Sell
24
Homes Sold
52
Inventory
44
Sale-to-List
97.1%
New Listings
85
Price/SqFt
$114
Pending Sales
71
Conforming Loan Available
Most homebuyers in 12010 can comfortably use conventional financing. The median home price of $200,000 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 12010 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 12010 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12010 can comfortably use conventional financing. The median home price of $200,000 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 12010 are set at the county level.
2026 Loan Limits — Schenectady 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 12010
To purchase the median home at $200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,682.
Monthly Payment
$1,682
Income Required
$72,100
Principal & Interest
$1,232/mo
Down Payment (5%)
$10,000
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 12010.
Estimated Monthly Payment
$1,388
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