13502 — Herkimer County, New York Market Snapshot
Housing market data for zip code 13502 in Herkimer County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$182,000
Days to Sell
42
Homes Sold
39
Inventory
48
Sale-to-List
97.9%
New Listings
74
Price/SqFt
$148
Pending Sales
60
Conforming Loan Available
Most homebuyers in 13502 can comfortably use conventional financing. The median home price of $182,000 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
13502'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
The average home in 13502 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13502 can comfortably use conventional financing. The median home price of $182,000 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 13502 are set at the county level.
2026 Loan Limits — Herkimer 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 13502
To purchase the median home at $182,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,544.
Monthly Payment
$1,544
Income Required
$66,190
Principal & Interest
$1,121/mo
Down Payment (5%)
$9,100
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 13502.
Estimated Monthly Payment
$1,276
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