13619 — Jefferson County, New York Market Snapshot
Housing market data for zip code 13619 in Jefferson County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$200,900
Days to Sell
91
Homes Sold
33
Inventory
64
Sale-to-List
95.1%
New Listings
58
Price/SqFt
$120
Pending Sales
53
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $200,900 median-priced home in 13619 is $190,855. 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 13619 is 91 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 13619 is 95.1%, or 4.9% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $200,900 median-priced home in 13619 is $190,855. 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 13619 are set at the county level.
2026 Loan Limits — Jefferson 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 13619
To purchase the median home at $200,900 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,769.
Monthly Payment
$1,769
Income Required
$75,804
Principal & Interest
$1,238/mo
Property Tax
$301/mo
Home Insurance
$150/mo
Estimated PMI
$80/mo
Down Payment (5%)
$10,045
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 13619.
Estimated Monthly Payment
$1,393
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 13619. Tell us what you're looking for.