12972 — Clinton County, New York Market Snapshot
Housing market data for zip code 12972 in Clinton County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$264,900
Days to Sell
98
Homes Sold
13
Inventory
18
Sale-to-List
97.4%
New Listings
24
Price/SqFt
$194
Pending Sales
11
Conforming Loan Available
Most homebuyers in 12972 can comfortably use conventional financing. The median home price of $264,900 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 98 days on average, 12972 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
The average home in 12972 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12972 can comfortably use conventional financing. The median home price of $264,900 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 12972 are set at the county level.
2026 Loan Limits — Clinton 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 12972
To purchase the median home at $264,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,180.
Monthly Payment
$2,180
Income Required
$93,411
Principal & Interest
$1,632/mo
Down Payment (5%)
$13,245
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 12972.
Estimated Monthly Payment
$1,789
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12972. Tell us what you're looking for.