12025 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12025 in Saratoga 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
$260,000
Days to Sell
20
Homes Sold
11
Inventory
10
Sale-to-List
95.2%
New Listings
24
Price/SqFt
$179
Pending Sales
17
Conforming Loan Available
Most homebuyers in 12025 can comfortably use conventional financing. The median home price of $260,000 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 12025 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 12025 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12025 can comfortably use conventional financing. The median home price of $260,000 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 12025 are set at the county level.
2026 Loan Limits — Saratoga 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 12025
To purchase the median home at $260,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,142.
Monthly Payment
$2,142
Income Required
$91,802
Principal & Interest
$1,602/mo
Down Payment (5%)
$13,000
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 12025.
Estimated Monthly Payment
$1,759
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