02176 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02176 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
$457,500
Days to Sell
12
Homes Sold
10
Inventory
14
Sale-to-List
99.6%
New Listings
23
Price/SqFt
$520
Pending Sales
13
Conforming Loan Available
Most homebuyers in 02176 can comfortably use conventional financing. The median home price of $457,500 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
02176 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 02176 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02176 can comfortably use conventional financing. The median home price of $457,500 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 02176 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 02176
To purchase the median home at $457,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,655.
Monthly Payment
$3,655
Income Required
$156,652
Principal & Interest
$2,819/mo
Down Payment (5%)
$22,875
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 02176.
Estimated Monthly Payment
$2,981
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 02176. Tell us what you're looking for.