12563 — Putnam County, New York Market Snapshot
Housing market data for zip code 12563 in Putnam County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$437,750
Days to Sell
46
Homes Sold
15
Inventory
18
Sale-to-List
101.0%
New Listings
29
Price/SqFt
$293
Pending Sales
20
Conforming Loan Available
Most homebuyers in 12563 can comfortably use conventional financing. The median home price of $437,750 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
12563'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
Homes are selling very close to asking price in 12563 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12563 can comfortably use conventional financing. The median home price of $437,750 is well below the 2026 conforming loan limit of $1,209,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 12563 are set at the county level.
2026 Loan Limits — Putnam County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,249,125 |
| 2 Units | $1,548,975 | $1,599,375 |
| 3 Units | $1,872,225 | $1,933,200 |
| 4 Units | $2,326,875 | $2,402,625 |
Affordability Snapshot — Zip 12563
To purchase the median home at $437,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,504.
Monthly Payment
$3,504
Income Required
$150,167
Principal & Interest
$2,697/mo
Down Payment (5%)
$21,888
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 12563.
Estimated Monthly Payment
$2,859
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