12189 — Albany County, New York Market Snapshot
Housing market data for zip code 12189 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$264,500
Days to Sell
14
Homes Sold
30
Inventory
18
Sale-to-List
98.9%
New Listings
51
Price/SqFt
$151
Pending Sales
51
Conforming Loan Available
Most homebuyers in 12189 can comfortably use conventional financing. The median home price of $264,500 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
Homes in 12189 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12189 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12189 can comfortably use conventional financing. The median home price of $264,500 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 12189 are set at the county level.
2026 Loan Limits — Albany 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 12189
To purchase the median home at $264,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,177.
Monthly Payment
$2,177
Income Required
$93,279
Principal & Interest
$1,630/mo
Down Payment (5%)
$13,225
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 12189.
Estimated Monthly Payment
$1,787
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