01237 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01237 in Berkshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$303,750
Days to Sell
133
Homes Sold
14
Inventory
34
Sale-to-List
90.3%
New Listings
27
Price/SqFt
$263
Pending Sales
15
Conforming Loan Available
Most homebuyers in 01237 can comfortably use conventional financing. The median home price of $303,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 133 days on average, 01237 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 01237 sells for 9.7% below asking price (90.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 01237 can comfortably use conventional financing. The median home price of $303,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01237 are set at the county level.
2026 Loan Limits — Berkshire 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 01237
To purchase the median home at $303,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,477.
Monthly Payment
$2,477
Income Required
$106,167
Principal & Interest
$1,872/mo
Down Payment (5%)
$15,188
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 01237.
Estimated Monthly Payment
$2,030
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 01237. Tell us what you're looking for.