13440 — Oneida County, New York Market Snapshot
Housing market data for zip code 13440 in Oneida County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$131,000
Days to Sell
116
Homes Sold
10
Inventory
12
Sale-to-List
96.6%
New Listings
15
Price/SqFt
$59
Pending Sales
23
Conforming Loan Available
Most homebuyers in 13440 can comfortably use conventional financing. The median home price of $131,000 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, 13440 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 13440 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13440 can comfortably use conventional financing. The median home price of $131,000 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 13440 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 13440
To purchase the median home at $131,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,154.
Monthly Payment
$1,154
Income Required
$49,443
Principal & Interest
$807/mo
Down Payment (5%)
$6,550
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 13440.
Estimated Monthly Payment
$961
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