13078 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13078 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$447,500
Days to Sell
79
Homes Sold
14
Inventory
11
Sale-to-List
97.1%
New Listings
27
Price/SqFt
$169
Pending Sales
23
Conforming Loan Available
Most homebuyers in 13078 can comfortably use conventional financing. The median home price of $447,500 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 79 days on average, 13078 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 13078 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 13078 can comfortably use conventional financing. The median home price of $447,500 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 13078 are set at the county level.
2026 Loan Limits — Onondaga 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 13078
To purchase the median home at $447,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,579.
Monthly Payment
$3,579
Income Required
$153,369
Principal & Interest
$2,757/mo
Down Payment (5%)
$22,375
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 13078.
Estimated Monthly Payment
$2,919
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