12475 — Ulster County, New York Market Snapshot
Housing market data for zip code 12475 in Ulster County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home 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
1 sales in 2026 (year to date)
Median Sale Price
$770,000
Days to Sell
54
Homes Sold
1
Inventory
N/A
Conforming Loan Available
The median home in 12475 at $770,000 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
12475's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 12475 at $770,000 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 12475 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 12475
To purchase the median home at $770,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,050.
Monthly Payment
$6,050
Income Required
$259,264
Principal & Interest
$4,745/mo
Down Payment (5%)
$38,500
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 12475.
Estimated Monthly Payment
$4,915
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12475. Tell us what you're looking for.