Sandy Creek, NY—13145

As of Aug '25, the median home price in Sandy Creek, NY is $178,000, with a year-over-year change of 1.1%. This indicates that home prices in Sandy Creek, NY are increasing. According to Zillow, the 1-year price projection is 3.9%, suggesting an increase housing market in the next year.

As of Aug '25 and according to Realtor.com, the median days on market for a home in Sandy Creek, NY is 89. This is an increase of 44.0% from last year. This indicates that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%. This is a small percentage of inventory, suggesting little supply pressure on home prices.

According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Sandy Creek, NY in that year was 64. 89.0% of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was 58.0%. Of those, 12.0% were >90% loan to value. This is considered elevated, suggesting that mortgage risk is medium in Sandy Creek, NY. Investor activity in Sandy Creek, NY is low, as 0.0% of all loans are originated by investors. In 2023, 8.0% of all loans were cash-out refinances, suggesting few homeowners are actively tapping their home's equity.