14881 — Tompkins County, New York Market Snapshot
Housing market data for zip code 14881 in Tompkins 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 Tompkins County county page for broader data.
Market Sales Data
2 sales in 2024
Median Sale Price
$200,000
Days to Sell
34
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 14881 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
14881's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 14881 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 14881 are set at the county level.
2026 Loan Limits — Tompkins 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 14881
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 14881.
Estimated Monthly Payment
$1,388
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14881. Tell us what you're looking for.