02144 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02144 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$1,007,500
Days to Sell
20
Homes Sold
28
Inventory
22
Sale-to-List
101.0%
New Listings
47
Price/SqFt
$703
Pending Sales
31
Jumbo Loan Likely Needed
The median home in 02144 at $1,007,500 exceeds the 2026 conforming loan limit of $962,550 by $44,950. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 02144 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 are selling very close to asking price in 02144 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02144 at $1,007,500 exceeds the 2026 conforming loan limit of $962,550 by $44,950. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 02144 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 02144
To purchase the median home at $1,007,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,869.
Monthly Payment
$7,869
Income Required
$337,249
Principal & Interest
$6,208/mo
Down Payment (5%)
$50,375
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 02144.
Estimated Monthly Payment
$6,385
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