12503 — Columbia County, New York Market Snapshot
Housing market data for zip code 12503 in Columbia County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Columbia County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$10,850,000
Days to Sell
212
Homes Sold
2
Inventory
6
Jumbo Loan Likely Needed
The median home in 12503 at $10,850,000 exceeds the 2026 conforming loan limit of $832,750 by $10,017,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 212 days on average, 12503 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 12503 at $10,850,000 exceeds the 2026 conforming loan limit of $832,750 by $10,017,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 12503 are set at the county level.
2026 Loan Limits — Columbia 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 12503
To purchase the median home at $10,850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $83,279.
Monthly Payment
$83,279
Income Required
$3,569,111
Principal & Interest
$66,854/mo
Down Payment (5%)
$542,500
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 12503.
Estimated Monthly Payment
$67,298
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 12503.
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