01801 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01801 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$870,000
Days to Sell
18
Homes Sold
10
Inventory
5
Sale-to-List
101.8%
New Listings
20
Price/SqFt
$471
Pending Sales
16
Conforming Loan Available
The median home in 01801 at $870,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 01801 are moving quickly at 18 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 01801 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 01801 at $870,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 01801 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 01801
To purchase the median home at $870,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,816.
Monthly Payment
$6,816
Income Required
$292,100
Principal & Interest
$5,361/mo
Down Payment (5%)
$43,500
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 01801.
Estimated Monthly Payment
$5,534
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