12973 — St. Lawrence County, New York Market Snapshot
Housing market data for zip code 12973 in St. Lawrence County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Lawrence County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$207,500
Days to Sell
151
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 12973 can comfortably use conventional financing. The median home price of $207,500 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
With homes sitting for 151 days on average, 12973 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 12973 can comfortably use conventional financing. The median home price of $207,500 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 12973 are set at the county level.
2026 Loan Limits — St. Lawrence 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 12973
To purchase the median home at $207,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,740.
Monthly Payment
$1,740
Income Required
$74,563
Principal & Interest
$1,279/mo
Down Payment (5%)
$10,375
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 12973.
Estimated Monthly Payment
$1,434
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