01109 — Hampden County, Massachusetts Market Snapshot
Housing market data for zip code 01109 in Hampden County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$390,000
Days to Sell
36
Homes Sold
16
Inventory
13
Sale-to-List
102.7%
New Listings
27
Price/SqFt
$131
Pending Sales
23
Conforming Loan Available
Most homebuyers in 01109 can comfortably use conventional financing. The median home price of $390,000 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
01109's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 01109 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01109 can comfortably use conventional financing. The median home price of $390,000 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 01109 are set at the county level.
2026 Loan Limits — Hampden 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 01109
To purchase the median home at $390,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,488
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 01109.
Estimated Monthly Payment
$2,564
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