13309 — Lewis County, New York Market Snapshot
Housing market data for zip code 13309 in Lewis County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$233,000
Days to Sell
116
Homes Sold
11
Inventory
18
Sale-to-List
98.6%
New Listings
19
Price/SqFt
$155
Pending Sales
12
Conforming Loan Available
Most homebuyers in 13309 can comfortably use conventional financing. The median home price of $233,000 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
With homes sitting for 116 days on average, 13309 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 13309 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 13309 can comfortably use conventional financing. The median home price of $233,000 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 13309 are set at the county level.
2026 Loan Limits — Lewis 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 13309
To purchase the median home at $233,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,935.
Monthly Payment
$1,935
Income Required
$82,936
Principal & Interest
$1,436/mo
Down Payment (5%)
$11,650
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 13309.
Estimated Monthly Payment
$1,592
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