13088 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13088 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$268,750
Days to Sell
14
Homes Sold
38
Inventory
14
Sale-to-List
105.6%
New Listings
61
Price/SqFt
$193
Pending Sales
57
Conforming Loan Available
Most homebuyers in 13088 can comfortably use conventional financing. The median home price of $268,750 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
Homes in 13088 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 13088 are selling 5.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13088 can comfortably use conventional financing. The median home price of $268,750 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 13088 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 13088
To purchase the median home at $268,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,209.
Monthly Payment
$2,209
Income Required
$94,675
Principal & Interest
$1,656/mo
Down Payment (5%)
$13,438
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 13088.
Estimated Monthly Payment
$1,813
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