01002 — Franklin County, Massachusetts Market Snapshot
Housing market data for zip code 01002 in Franklin County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
21
Homes Sold
37
Inventory
42
Sale-to-List
103.3%
New Listings
99
Price/SqFt
$287
Pending Sales
71
Conforming Loan Available
Most homebuyers in 01002 can comfortably use conventional financing. The median home price of $550,000 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
Homes in 01002 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01002 are selling 3.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01002 can comfortably use conventional financing. The median home price of $550,000 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 01002 are set at the county level.
2026 Loan Limits — Franklin 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 01002
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 01002.
Estimated Monthly Payment
$3,554
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