12969 — Franklin County, New York Market Snapshot
Housing market data for zip code 12969 in Franklin County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Franklin County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$379,900
Days to Sell
16
Homes Sold
1
Inventory
3
Conforming Loan Available
Most homebuyers in 12969 can comfortably use conventional financing. The median home price of $379,900 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
Homes in 12969 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 12969 can comfortably use conventional financing. The median home price of $379,900 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 12969 are set at the county level.
2026 Loan Limits — Franklin 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 12969
To purchase the median home at $379,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,172
Principal & Interest
$2,341/mo
Down Payment (5%)
$18,995
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 12969.
Estimated Monthly Payment
$2,501
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12969. Tell us what you're looking for.