01432 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01432 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$552,500
Days to Sell
16
Homes Sold
20
Inventory
20
Sale-to-List
100.5%
New Listings
41
Price/SqFt
$306
Pending Sales
37
Conforming Loan Available
Most homebuyers in 01432 can comfortably use conventional financing. The median home price of $552,500 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 01432 are moving quickly at 16 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 01432 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01432 can comfortably use conventional financing. The median home price of $552,500 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 01432 are set at the county level.
2026 Loan Limits — Middlesex 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 01432
To purchase the median home at $552,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,383.
Monthly Payment
$4,383
Income Required
$187,846
Principal & Interest
$3,404/mo
Down Payment (5%)
$27,625
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 01432.
Estimated Monthly Payment
$3,569
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