02148 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02148 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$512,500
Days to Sell
26
Homes Sold
10
Inventory
16
Sale-to-List
100.3%
New Listings
34
Price/SqFt
$475
Pending Sales
30
Conforming Loan Available
Most homebuyers in 02148 can comfortably use conventional financing. The median home price of $512,500 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 02148 are moving quickly at 26 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 02148 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02148 can comfortably use conventional financing. The median home price of $512,500 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 02148 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 02148
To purchase the median home at $512,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,077.
Monthly Payment
$4,077
Income Required
$174,712
Principal & Interest
$3,158/mo
Down Payment (5%)
$25,625
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 02148.
Estimated Monthly Payment
$3,322
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