02633 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02633 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$1,622,500
Days to Sell
28
Homes Sold
23
Inventory
36
Sale-to-List
97.0%
New Listings
51
Price/SqFt
$820
Pending Sales
33
Jumbo Loan Likely Needed
The median home in 02633 at $1,622,500 exceeds the 2026 conforming loan limit of $832,750 by $789,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 02633 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 02633 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02633 at $1,622,500 exceeds the 2026 conforming loan limit of $832,750 by $789,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 02633 are set at the county level.
2026 Loan Limits — Barnstable County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $828,000 |
| 2 Units | $1,066,250 | $1,060,000 |
| 3 Units | $1,288,800 | $1,281,300 |
| 4 Units | $1,601,750 | $1,592,350 |
Affordability Snapshot — Zip 02633
To purchase the median home at $1,622,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,581.
Monthly Payment
$12,581
Income Required
$539,189
Principal & Interest
$9,997/mo
Down Payment (5%)
$81,125
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 02633.
Estimated Monthly Payment
$10,191
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 02633.
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