13148 — Seneca County, New York Market Snapshot
Housing market data for zip code 13148 in Seneca 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
$170,000
Days to Sell
28
Homes Sold
25
Inventory
15
Sale-to-List
102.3%
New Listings
39
Price/SqFt
$133
Pending Sales
31
Conforming Loan Available
Most homebuyers in 13148 can comfortably use conventional financing. The median home price of $170,000 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 13148 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 13148 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 13148 can comfortably use conventional financing. The median home price of $170,000 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 13148 are set at the county level.
2026 Loan Limits — Seneca 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 13148
To purchase the median home at $170,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,452.
Monthly Payment
$1,452
Income Required
$62,250
Principal & Interest
$1,047/mo
Down Payment (5%)
$8,500
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 13148.
Estimated Monthly Payment
$1,202
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