01803 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01803 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$876,111
Days to Sell
20
Homes Sold
44
Inventory
31
Sale-to-List
102.4%
New Listings
85
Price/SqFt
$445
Pending Sales
67
Conforming Loan Available
The median home in 01803 at $876,111 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 01803 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01803 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 01803 at $876,111 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 01803 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 01803
To purchase the median home at $876,111 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,862.
Monthly Payment
$6,862
Income Required
$294,107
Principal & Interest
$5,398/mo
Down Payment (5%)
$43,806
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 01803.
Estimated Monthly Payment
$5,572
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