01266 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01266 in Berkshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$712,000
Days to Sell
99
Homes Sold
10
Inventory
12
Sale-to-List
96.7%
New Listings
11
Price/SqFt
$370
Pending Sales
10
Conforming Loan Available
The median home in 01266 at $712,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 99 days on average, 01266 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 01266 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 01266 at $712,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 01266 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 01266
To purchase the median home at $712,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,605.
Monthly Payment
$5,605
Income Required
$240,219
Principal & Interest
$4,387/mo
Down Payment (5%)
$35,600
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 01266.
Estimated Monthly Payment
$4,556
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