12524 — Dutchess County, New York Market Snapshot
Housing market data for zip code 12524 in Dutchess County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$524,975
Days to Sell
42
Homes Sold
24
Inventory
16
Sale-to-List
98.6%
New Listings
40
Price/SqFt
$286
Pending Sales
32
Conforming Loan Available
Most homebuyers in 12524 can comfortably use conventional financing. The median home price of $524,975 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
12524's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 12524 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12524 can comfortably use conventional financing. The median home price of $524,975 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 12524 are set at the county level.
2026 Loan Limits — Dutchess 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 12524
To purchase the median home at $524,975 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,172.
Monthly Payment
$4,172
Income Required
$178,808
Principal & Interest
$3,235/mo
Down Payment (5%)
$26,249
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 12524.
Estimated Monthly Payment
$3,399
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