12118 — Saratoga County, New York Market Snapshot
Housing market data for zip code 12118 in Saratoga County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$439,069
Days to Sell
12
Homes Sold
57
Inventory
47
Sale-to-List
102.5%
New Listings
66
Price/SqFt
$265
Pending Sales
57
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $439,069 median-priced home in 12118 is $417,116. 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 12118 is 12 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 12118 is 102.5%, or 2.5% 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 $439,069 median-priced home in 12118 is $417,116. 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 12118 are set at the county level.
2026 Loan Limits — Saratoga 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 12118
To purchase the median home at $439,069 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,688.
Monthly Payment
$3,688
Income Required
$158,049
Principal & Interest
$2,705/mo
Property Tax
$659/mo
Home Insurance
$150/mo
Estimated PMI
$174/mo
Down Payment (5%)
$21,953
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 12118.
Estimated Monthly Payment
$2,867
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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