13421 — Oneida County, New York Market Snapshot
Housing market data for zip code 13421 in Oneida County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$231,000
Days to Sell
46
Homes Sold
20
Inventory
25
Sale-to-List
95.9%
New Listings
35
Price/SqFt
$137
Pending Sales
31
Conforming Loan Available
Most homebuyers in 13421 can comfortably use conventional financing. The median home price of $231,000 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
13421's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 13421 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13421 can comfortably use conventional financing. The median home price of $231,000 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 13421 are set at the county level.
2026 Loan Limits — Oneida 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 13421
To purchase the median home at $231,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,920.
Monthly Payment
$1,920
Income Required
$82,279
Principal & Interest
$1,423/mo
Down Payment (5%)
$11,550
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 13421.
Estimated Monthly Payment
$1,580
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