12887 — Washington County, New York Market Snapshot
Housing market data for zip code 12887 in Washington County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$179,747
Days to Sell
59
Homes Sold
14
Inventory
10
Sale-to-List
97.6%
New Listings
14
Price/SqFt
$129
Pending Sales
11
Conforming Loan Available
Most homebuyers in 12887 can comfortably use conventional financing. The median home price of $179,747 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
12887's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 12887 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12887 can comfortably use conventional financing. The median home price of $179,747 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 12887 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 12887
To purchase the median home at $179,747 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,527.
Monthly Payment
$1,527
Income Required
$65,450
Principal & Interest
$1,108/mo
Down Payment (5%)
$8,987
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 12887.
Estimated Monthly Payment
$1,262
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