Clifton Park, NY has entered 2026 with mortgage rates that shape every buyer's budget. Are you tracking what a 6.45 percent average 30-year fixed rate means for your purchasing power this January?
Why Rate Trends Matter in Clifton Park, NY
This January, the average 30-year fixed mortgage rate marked at 6.45 percent in Clifton Park, NY. While higher than pre-2022 levels, this number determines qualification for many buyers and influences both monthly payments and market movement. With a median sale price of $455,000 and 62 active homes in inventory, aligning your budget to prevailing rates remains essential. Jessica Hurta helps you plan accordingly—knowing your numbers means you can secure your goals.
Your Next Address Starts Here
Get a clear plan from Jessica Hurta based on real activity in Clifton Park, NY this January 2026. Mortgage rates and affordability are key for smart buyers.
Affordability Explained: The Buyer Experience
Buyers weighing their budget this month will also benefit from the average price per square foot of $210 and the $400,000 to $600,000 range, where most transactions have occurred. Quick sales—at an average of 28 days on market—show that demand has not cooled despite the rate environment. Are you wondering if it is a good time to buy in Clifton Park, NY? Robust activity and reasonable terms still open the door for buyers ready to make confident choices.
Key Financing Metrics for January 2026
- Average 30-year fixed mortgage rate: 6.45 percent
- Median sale price: $455,000
- Price per square foot: $210
- Average days on market: 28
Jessica Hurta works with buyers to run the numbers, optimize pre-approval, and determine the best next step in the current rate landscape.
