01864 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01864 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Middlesex County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$739,500
Days to Sell
18
Homes Sold
6
Inventory
3
Conforming Loan Available
Most homebuyers in 01864 can comfortably use conventional financing. The median home price of $739,500 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 01864 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 01864 can comfortably use conventional financing. The median home price of $739,500 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 01864 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 01864
To purchase the median home at $739,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,816.
Monthly Payment
$5,816
Income Required
$249,249
Principal & Interest
$4,557/mo
Down Payment (5%)
$36,975
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 01864.
Estimated Monthly Payment
$4,727
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