01060 — Hampshire County, Massachusetts Market Snapshot
Housing market data for zip code 01060 in Hampshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$460,000
Days to Sell
23
Homes Sold
32
Inventory
32
Sale-to-List
100.3%
New Listings
58
Price/SqFt
$302
Pending Sales
40
Conforming Loan Available
Most homebuyers in 01060 can comfortably use conventional financing. The median home price of $460,000 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 01060 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 01060 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01060 can comfortably use conventional financing. The median home price of $460,000 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 01060 are set at the county level.
2026 Loan Limits — Hampshire 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 01060
To purchase the median home at $460,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,674.
Monthly Payment
$3,674
Income Required
$157,473
Principal & Interest
$2,834/mo
Down Payment (5%)
$23,000
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 01060.
Estimated Monthly Payment
$2,997
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