12970 — Franklin County, New York Market Snapshot
Housing market data for zip code 12970 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
$1,500,000
Days to Sell
42
Homes Sold
1
Inventory
1
Jumbo Loan Likely Needed
The median home in 12970 at $1,500,000 exceeds the 2026 conforming loan limit of $832,750 by $667,250. 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
12970'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.
Conforming Loan Feasibility
The median home in 12970 at $1,500,000 exceeds the 2026 conforming loan limit of $832,750 by $667,250. 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 12970 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 12970
To purchase the median home at $1,500,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,643.
Monthly Payment
$11,643
Income Required
$498,965
Principal & Interest
$9,243/mo
Down Payment (5%)
$75,000
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 12970.
Estimated Monthly Payment
$9,433
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 12970.
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