02476 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02476 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$1,228,555
Days to Sell
13
Homes Sold
25
Inventory
11
Sale-to-List
111.3%
New Listings
42
Price/SqFt
$681
Pending Sales
39
Jumbo Loan Likely Needed
The median home in 02476 at $1,228,555 exceeds the 2026 conforming loan limit of $962,550 by $266,005. 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
02476 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 02476 are selling 11.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 02476 at $1,228,555 exceeds the 2026 conforming loan limit of $962,550 by $266,005. 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 02476 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 02476
To purchase the median home at $1,228,555 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,563.
Monthly Payment
$9,563
Income Required
$409,834
Principal & Interest
$7,570/mo
Down Payment (5%)
$61,428
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 02476.
Estimated Monthly Payment
$7,753
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02476.
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