12203 — Albany County, New York Market Snapshot
Housing market data for zip code 12203 in Albany County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$341,237
Days to Sell
9
Homes Sold
55
Inventory
27
Sale-to-List
103.3%
New Listings
80
Price/SqFt
$193
Pending Sales
81
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $341,237 median-priced home in 12203 is $324,175. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 12203 is 9 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 12203 is 103.3%, or 3.3% above the last list price. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $341,237 median-priced home in 12203 is $324,175. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 12203 are set at the county level.
2026 Loan Limits — Albany 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 12203
To purchase the median home at $341,237 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $2,900.
Monthly Payment
$2,900
Income Required
$124,265
Principal & Interest
$2,103/mo
Property Tax
$512/mo
Home Insurance
$150/mo
Estimated PMI
$135/mo
Down Payment (5%)
$17,062
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 12203.
Estimated Monthly Payment
$2,262
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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