13619 — Lewis County, New York Market Snapshot
Housing market data for zip code 13619 in Lewis County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$200,900
Days to Sell
91
Homes Sold
33
Inventory
64
Sale-to-List
95.1%
New Listings
58
Price/SqFt
$120
Pending Sales
53
Conforming Loan Available
Most homebuyers in 13619 can comfortably use conventional financing. The median home price of $200,900 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
With homes sitting for 91 days on average, 13619 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
The average home in 13619 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13619 can comfortably use conventional financing. The median home price of $200,900 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 13619 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 13619
To purchase the median home at $200,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,689.
Monthly Payment
$1,689
Income Required
$72,396
Principal & Interest
$1,238/mo
Down Payment (5%)
$10,045
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 13619.
Estimated Monthly Payment
$1,393
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