13676 — St. Lawrence County, New York Market Snapshot
Housing market data for zip code 13676 in St. Lawrence County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$208,750
Days to Sell
147
Homes Sold
24
Inventory
41
Sale-to-List
95.6%
New Listings
46
Price/SqFt
$119
Pending Sales
24
Conforming Loan Available
Most homebuyers in 13676 can comfortably use conventional financing. The median home price of $208,750 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 147 days on average, 13676 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 13676 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13676 can comfortably use conventional financing. The median home price of $208,750 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 13676 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 13676
To purchase the median home at $208,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,749.
Monthly Payment
$1,749
Income Required
$74,973
Principal & Interest
$1,286/mo
Down Payment (5%)
$10,438
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 13676.
Estimated Monthly Payment
$1,442
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