12846 — Warren County, New York Market Snapshot
Housing market data for zip code 12846 in Warren County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$257,500
Days to Sell
68
Homes Sold
10
Inventory
11
Sale-to-List
94.1%
New Listings
22
Price/SqFt
$231
Pending Sales
18
Conforming Loan Available
Most homebuyers in 12846 can comfortably use conventional financing. The median home price of $257,500 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 68 days on average, 12846 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 12846 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12846 can comfortably use conventional financing. The median home price of $257,500 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 12846 are set at the county level.
2026 Loan Limits — Warren 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 12846
To purchase the median home at $257,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,123.
Monthly Payment
$2,123
Income Required
$90,981
Principal & Interest
$1,587/mo
Down Payment (5%)
$12,875
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 12846.
Estimated Monthly Payment
$1,744
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12846. Tell us what you're looking for.