12814 — Warren County, New York Market Snapshot
Housing market data for zip code 12814 in Warren County, New York. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Warren County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$473,700
Days to Sell
9
Homes Sold
4
Inventory
13
Conforming Loan Available
Most homebuyers in 12814 can comfortably use conventional financing. The median home price of $473,700 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
12814 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 12814 can comfortably use conventional financing. The median home price of $473,700 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 12814 are set at the county level.
2026 Loan Limits — Warren 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 12814
To purchase the median home at $473,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,779.
Monthly Payment
$3,779
Income Required
$161,972
Principal & Interest
$2,919/mo
Down Payment (5%)
$23,685
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 12814.
Estimated Monthly Payment
$3,082
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