02657 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02657 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$900,500
Days to Sell
30
Homes Sold
18
Inventory
43
Sale-to-List
97.0%
New Listings
57
Price/SqFt
$1,731
Pending Sales
33
Jumbo Loan Likely Needed
The median home in 02657 at $900,500 exceeds the 2026 conforming loan limit of $832,750 by $67,750. 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
02657's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 02657 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 02657 at $900,500 exceeds the 2026 conforming loan limit of $832,750 by $67,750. 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 02657 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 02657
To purchase the median home at $900,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,049.
Monthly Payment
$7,049
Income Required
$302,115
Principal & Interest
$5,549/mo
Down Payment (5%)
$45,025
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 02657.
Estimated Monthly Payment
$5,723
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