12211 — Albany County, New York Market Snapshot
Housing market data for zip code 12211 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$512,500
Days to Sell
14
Homes Sold
32
Inventory
11
Sale-to-List
100.0%
New Listings
33
Price/SqFt
$241
Pending Sales
32
Conforming Loan Available
Most homebuyers in 12211 can comfortably use conventional financing. The median home price of $512,500 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 12211 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 12211 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12211 can comfortably use conventional financing. The median home price of $512,500 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 12211 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 12211
To purchase the median home at $512,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,077.
Monthly Payment
$4,077
Income Required
$174,712
Principal & Interest
$3,158/mo
Down Payment (5%)
$25,625
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 12211.
Estimated Monthly Payment
$3,322
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12211. Tell us what you're looking for.