12206 — Albany County, New York Market Snapshot
Housing market data for zip code 12206 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$189,750
Days to Sell
60
Homes Sold
12
Inventory
22
Sale-to-List
101.1%
New Listings
28
Price/SqFt
$95
Pending Sales
17
Conforming Loan Available
Most homebuyers in 12206 can comfortably use conventional financing. The median home price of $189,750 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 60 days on average, 12206 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
Homes are selling very close to asking price in 12206 (101.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12206 can comfortably use conventional financing. The median home price of $189,750 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 12206 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 12206
To purchase the median home at $189,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,604.
Monthly Payment
$1,604
Income Required
$68,735
Principal & Interest
$1,169/mo
Down Payment (5%)
$9,488
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 12206.
Estimated Monthly Payment
$1,324
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