12209 — Albany County, New York Market Snapshot
Housing market data for zip code 12209 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$245,000
Days to Sell
11
Homes Sold
27
Inventory
11
Sale-to-List
101.5%
New Listings
33
Price/SqFt
$154
Pending Sales
32
Conforming Loan Available
Most homebuyers in 12209 can comfortably use conventional financing. The median home price of $245,000 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
12209 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12209 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12209 can comfortably use conventional financing. The median home price of $245,000 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 12209 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 12209
To purchase the median home at $245,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,027.
Monthly Payment
$2,027
Income Required
$86,876
Principal & Interest
$1,510/mo
Down Payment (5%)
$12,250
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 12209.
Estimated Monthly Payment
$1,666
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