12461 — Ulster County, New York Market Snapshot
Housing market data for zip code 12461 in Ulster County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Ulster County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$718,500
Days to Sell
167
Homes Sold
8
Inventory
12
Conforming Loan Available
The median home in 12461 at $718,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 167 days on average, 12461 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 12461 at $718,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 12461 are set at the county level.
2026 Loan Limits — Ulster 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 12461
To purchase the median home at $718,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,655.
Monthly Payment
$5,655
Income Required
$242,354
Principal & Interest
$4,427/mo
Down Payment (5%)
$35,925
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 12461.
Estimated Monthly Payment
$4,597
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