02461 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02461 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
$790,000
Days to Sell
44
Homes Sold
10
Inventory
7
Sale-to-List
97.6%
New Listings
13
Price/SqFt
$980
Pending Sales
13
Conforming Loan Available
The median home in 02461 at $790,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
02461's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 02461 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02461 at $790,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 02461 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 02461
To purchase the median home at $790,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,203.
Monthly Payment
$6,203
Income Required
$265,831
Principal & Interest
$4,868/mo
Down Payment (5%)
$39,500
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 02461.
Estimated Monthly Payment
$5,039
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