02539 — Dukes County, Massachusetts Market Snapshot
Housing market data for zip code 02539 in Dukes County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,850,000
Days to Sell
41
Homes Sold
11
Inventory
33
Sale-to-List
94.8%
New Listings
41
Price/SqFt
$888
Pending Sales
17
Jumbo Loan Likely Needed
The median home in 02539 at $1,850,000 exceeds the 2026 conforming loan limit of $1,249,125 by $600,875. 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
02539's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 02539 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02539 at $1,850,000 exceeds the 2026 conforming loan limit of $1,249,125 by $600,875. 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 02539 are set at the county level.
2026 Loan Limits — Dukes County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 02539
To purchase the median home at $1,850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,324.
Monthly Payment
$14,324
Income Required
$613,890
Principal & Interest
$11,399/mo
Down Payment (5%)
$92,500
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 02539.
Estimated Monthly Payment
$11,599
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 02539.
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