13314 — Madison County, New York Market Snapshot
Housing market data for zip code 13314 in Madison 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 Madison County county page for broader data.
Market Sales Data
1 sales in 2020
Median Sale Price
$95,294
Days to Sell
85
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 13314 can comfortably use conventional financing. The median home price of $95,294 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 85 days on average, 13314 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 13314 can comfortably use conventional financing. The median home price of $95,294 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 13314 are set at the county level.
2026 Loan Limits — Madison 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 13314
To purchase the median home at $95,294 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $880.
Monthly Payment
$880
Income Required
$37,719
Principal & Interest
$587/mo
Down Payment (5%)
$4,765
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 13314.
Estimated Monthly Payment
$740
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