12182 — Rensselaer County, New York Market Snapshot
Housing market data for zip code 12182 in Rensselaer 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
$230,500
Days to Sell
38
Homes Sold
25
Inventory
24
Sale-to-List
101.2%
New Listings
48
Price/SqFt
$148
Pending Sales
44
Conforming Loan Available
Most homebuyers in 12182 can comfortably use conventional financing. The median home price of $230,500 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
12182's market is balanced with homes taking an average of 38 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 12182 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12182 can comfortably use conventional financing. The median home price of $230,500 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 12182 are set at the county level.
2026 Loan Limits — Rensselaer 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 12182
To purchase the median home at $230,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,916.
Monthly Payment
$1,916
Income Required
$82,115
Principal & Interest
$1,420/mo
Down Payment (5%)
$11,525
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 12182.
Estimated Monthly Payment
$1,577
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