12803 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12803 in Saratoga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$310,000
Days to Sell
11
Homes Sold
18
Inventory
13
Sale-to-List
103.5%
New Listings
26
Price/SqFt
$228
Pending Sales
22
Conforming Loan Available
Most homebuyers in 12803 can comfortably use conventional financing. The median home price of $310,000 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
12803 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 12803 are selling 3.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 12803 can comfortably use conventional financing. The median home price of $310,000 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 12803 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 12803
To purchase the median home at $310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,525.
Monthly Payment
$2,525
Income Required
$108,219
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,500
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 12803.
Estimated Monthly Payment
$2,069
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