12193 — Albany County, New York Market Snapshot
Housing market data for zip code 12193 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Albany County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$832,500
Days to Sell
34
Homes Sold
1
Inventory
4
Conforming Loan Available
The median home in 12193 at $832,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
12193'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
The median home in 12193 at $832,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 12193 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 12193
To purchase the median home at $832,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,528.
Monthly Payment
$6,528
Income Required
$279,786
Principal & Interest
$5,130/mo
Down Payment (5%)
$41,625
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 12193.
Estimated Monthly Payment
$5,302
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