01863 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01863 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$469,500
Days to Sell
20
Homes Sold
16
Inventory
11
Sale-to-List
102.7%
New Listings
23
Price/SqFt
$340
Pending Sales
18
Conforming Loan Available
Most homebuyers in 01863 can comfortably use conventional financing. The median home price of $469,500 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 01863 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 01863 are selling 2.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01863 can comfortably use conventional financing. The median home price of $469,500 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 01863 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 01863
To purchase the median home at $469,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,747.
Monthly Payment
$3,747
Income Required
$160,593
Principal & Interest
$2,893/mo
Down Payment (5%)
$23,475
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 01863.
Estimated Monthly Payment
$3,056
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