12564 — Dutchess County, New York Market Snapshot
Housing market data for zip code 12564 in Dutchess County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$535,000
Days to Sell
49
Homes Sold
15
Inventory
21
Sale-to-List
99.1%
New Listings
21
Price/SqFt
$247
Pending Sales
18
Conforming Loan Available
Most homebuyers in 12564 can comfortably use conventional financing. The median home price of $535,000 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
12564's market is balanced with homes taking an average of 49 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 12564 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12564 can comfortably use conventional financing. The median home price of $535,000 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 12564 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 12564
To purchase the median home at $535,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,249.
Monthly Payment
$4,249
Income Required
$182,100
Principal & Interest
$3,297/mo
Down Payment (5%)
$26,750
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 12564.
Estimated Monthly Payment
$3,461
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