12184 — Rensselaer County, New York Market Snapshot
Housing market data for zip code 12184 in Rensselaer County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$415,000
Days to Sell
20
Homes Sold
11
Inventory
17
Sale-to-List
98.5%
New Listings
27
Price/SqFt
$226
Pending Sales
21
Conforming Loan Available
Most homebuyers in 12184 can comfortably use conventional financing. The median home price of $415,000 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
Homes in 12184 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 12184 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12184 can comfortably use conventional financing. The median home price of $415,000 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 12184 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 12184
To purchase the median home at $415,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,330.
Monthly Payment
$3,330
Income Required
$142,697
Principal & Interest
$2,557/mo
Down Payment (5%)
$20,750
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 12184.
Estimated Monthly Payment
$2,718
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