13611 — Jefferson County, New York Market Snapshot
Housing market data for zip code 13611 in Jefferson County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Jefferson County county page for broader data.
Market Sales Data
2 sales in 2025
Median Sale Price
$284,700
Days to Sell
39
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 13611 can comfortably use conventional financing. The median home price of $284,700 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
13611's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 13611 can comfortably use conventional financing. The median home price of $284,700 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 13611 are set at the county level.
2026 Loan Limits — Jefferson 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 13611
To purchase the median home at $284,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,331.
Monthly Payment
$2,331
Income Required
$99,912
Principal & Interest
$1,754/mo
Down Payment (5%)
$14,235
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 13611.
Estimated Monthly Payment
$1,912
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