12828 — Washington County, New York Market Snapshot
Housing market data for zip code 12828 in Washington County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$229,900
Days to Sell
21
Homes Sold
15
Inventory
11
Sale-to-List
98.0%
New Listings
28
Price/SqFt
$163
Pending Sales
24
Conforming Loan Available
Most homebuyers in 12828 can comfortably use conventional financing. The median home price of $229,900 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
Homes in 12828 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 12828 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12828 can comfortably use conventional financing. The median home price of $229,900 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 12828 are set at the county level.
2026 Loan Limits — Washington 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 12828
To purchase the median home at $229,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,911.
Monthly Payment
$1,911
Income Required
$81,918
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,495
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 12828.
Estimated Monthly Payment
$1,573
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