01969 — Essex County, Massachusetts Market Snapshot
Housing market data for zip code 01969 in Essex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Essex County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$414,014
Days to Sell
67
Homes Sold
2
Inventory
2
Conforming Loan Available
Most homebuyers in 01969 can comfortably use conventional financing. The median home price of $414,014 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
With homes sitting for 67 days on average, 01969 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 01969 can comfortably use conventional financing. The median home price of $414,014 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 01969 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 01969
To purchase the median home at $414,014 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,322.
Monthly Payment
$3,322
Income Required
$142,373
Principal & Interest
$2,551/mo
Down Payment (5%)
$20,701
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
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Estimate your monthly payment for a home in 01969.
Estimated Monthly Payment
$2,712
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