12865 — Washington County, New York Market Snapshot
Housing market data for zip code 12865 in Washington County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$281,506
Days to Sell
84
Homes Sold
10
Inventory
11
Sale-to-List
99.1%
New Listings
15
Price/SqFt
$170
Pending Sales
14
Conforming Loan Available
Most homebuyers in 12865 can comfortably use conventional financing. The median home price of $281,506 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 84 days on average, 12865 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 12865 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 12865 can comfortably use conventional financing. The median home price of $281,506 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 12865 are set at the county level.
2026 Loan Limits — Washington 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 12865
To purchase the median home at $281,506 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,307.
Monthly Payment
$2,307
Income Required
$98,863
Principal & Interest
$1,735/mo
Down Payment (5%)
$14,075
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 12865.
Estimated Monthly Payment
$1,892
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