01746 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01746 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$729,000
Days to Sell
19
Homes Sold
39
Inventory
23
Sale-to-List
102.2%
New Listings
70
Price/SqFt
$376
Pending Sales
62
Conforming Loan Available
Most homebuyers in 01746 can comfortably use conventional financing. The median home price of $729,000 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 01746 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01746 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01746 can comfortably use conventional financing. The median home price of $729,000 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 01746 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 01746
To purchase the median home at $729,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,735.
Monthly Payment
$5,735
Income Required
$245,802
Principal & Interest
$4,492/mo
Down Payment (5%)
$36,450
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 01746.
Estimated Monthly Payment
$4,662
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