01876 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01876 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
$766,000
Days to Sell
20
Homes Sold
44
Inventory
25
Sale-to-List
104.2%
New Listings
76
Price/SqFt
$391
Pending Sales
64
Conforming Loan Available
Most homebuyers in 01876 can comfortably use conventional financing. The median home price of $766,000 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 01876 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 01876 are selling 4.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01876 can comfortably use conventional financing. The median home price of $766,000 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 01876 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 01876
To purchase the median home at $766,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,019.
Monthly Payment
$6,019
Income Required
$257,951
Principal & Interest
$4,720/mo
Down Payment (5%)
$38,300
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 01876.
Estimated Monthly Payment
$4,891
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