12589 — Ulster County, New York Market Snapshot
Housing market data for zip code 12589 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
$473,000
Days to Sell
57
Homes Sold
25
Inventory
37
Sale-to-List
98.0%
New Listings
41
Price/SqFt
$263
Pending Sales
31
Conforming Loan Available
Most homebuyers in 12589 can comfortably use conventional financing. The median home price of $473,000 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
12589's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 12589 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 12589 can comfortably use conventional financing. The median home price of $473,000 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 12589 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 12589
To purchase the median home at $473,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,774.
Monthly Payment
$3,774
Income Required
$161,742
Principal & Interest
$2,914/mo
Down Payment (5%)
$23,650
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 12589.
Estimated Monthly Payment
$3,077
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