13207 — Onondaga County, New York Market Snapshot
Housing market data for zip code 13207 in Onondaga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$160,000
Days to Sell
35
Homes Sold
25
Inventory
26
Sale-to-List
103.5%
New Listings
37
Price/SqFt
$108
Pending Sales
43
Conforming Loan Available
Most homebuyers in 13207 can comfortably use conventional financing. The median home price of $160,000 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
13207's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 13207 are selling 3.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13207 can comfortably use conventional financing. The median home price of $160,000 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 13207 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 13207
To purchase the median home at $160,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,376.
Monthly Payment
$1,376
Income Required
$58,966
Principal & Interest
$986/mo
Down Payment (5%)
$8,000
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 13207.
Estimated Monthly Payment
$1,140
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