01835 — Essex County, Massachusetts Market Snapshot
Housing market data for zip code 01835 in Essex 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
$623,500
Days to Sell
19
Homes Sold
18
Inventory
11
Sale-to-List
102.1%
New Listings
33
Price/SqFt
$334
Pending Sales
27
Conforming Loan Available
Most homebuyers in 01835 can comfortably use conventional financing. The median home price of $623,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 01835 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01835 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01835 can comfortably use conventional financing. The median home price of $623,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01835 are set at the county level.
2026 Loan Limits — Essex County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $962,550 | $962,550 |
| 2 Units | $1,232,250 | $1,232,250 |
| 3 Units | $1,489,500 | $1,489,500 |
| 4 Units | $1,851,100 | $1,851,100 |
Affordability Snapshot — Zip 01835
To purchase the median home at $623,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,927.
Monthly Payment
$4,927
Income Required
$211,160
Principal & Interest
$3,842/mo
Down Payment (5%)
$31,175
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 01835.
Estimated Monthly Payment
$4,009
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