13617 — St. Lawrence County, New York Market Snapshot
Housing market data for zip code 13617 in St. Lawrence County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$182,500
Days to Sell
78
Homes Sold
12
Inventory
19
Sale-to-List
92.7%
New Listings
19
Price/SqFt
$110
Pending Sales
11
Conforming Loan Available
Most homebuyers in 13617 can comfortably use conventional financing. The median home price of $182,500 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
With homes sitting for 78 days on average, 13617 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 13617 sells for 7.3% below asking price (92.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13617 can comfortably use conventional financing. The median home price of $182,500 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 13617 are set at the county level.
2026 Loan Limits — St. Lawrence 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 13617
To purchase the median home at $182,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,548.
Monthly Payment
$1,548
Income Required
$66,354
Principal & Interest
$1,125/mo
Down Payment (5%)
$9,125
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 13617.
Estimated Monthly Payment
$1,279
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