13666 — St. Lawrence County, New York Market Snapshot
Housing market data for zip code 13666 in St. Lawrence County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Lawrence County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$122,550
Days to Sell
149
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 13666 can comfortably use conventional financing. The median home price of $122,550 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 149 days on average, 13666 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 13666 can comfortably use conventional financing. The median home price of $122,550 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 13666 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 13666
To purchase the median home at $122,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,089.
Monthly Payment
$1,089
Income Required
$46,669
Principal & Interest
$755/mo
Down Payment (5%)
$6,128
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 13666.
Estimated Monthly Payment
$908
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