12528 — Ulster County, New York Market Snapshot
Housing market data for zip code 12528 in Ulster 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
$450,000
Days to Sell
81
Homes Sold
25
Inventory
45
Sale-to-List
98.4%
New Listings
50
Price/SqFt
$224
Pending Sales
26
Conforming Loan Available
Most homebuyers in 12528 can comfortably use conventional financing. The median home price of $450,000 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
With homes sitting for 81 days on average, 12528 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 12528 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12528 can comfortably use conventional financing. The median home price of $450,000 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 12528 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 12528
To purchase the median home at $450,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,598.
Monthly Payment
$3,598
Income Required
$154,190
Principal & Interest
$2,773/mo
Down Payment (5%)
$22,500
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 12528.
Estimated Monthly Payment
$2,935
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 12528. Tell us what you're looking for.