01564 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01564 in Worcester County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$522,500
Days to Sell
22
Homes Sold
12
Inventory
13
Sale-to-List
102.9%
New Listings
25
Price/SqFt
$310
Pending Sales
24
Conforming Loan Available
Most homebuyers in 01564 can comfortably use conventional financing. The median home price of $522,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 01564 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01564 are selling 2.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01564 can comfortably use conventional financing. The median home price of $522,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01564 are set at the county level.
2026 Loan Limits — Worcester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $545,100 |
| 2 Units | $1,066,250 | $697,800 |
| 3 Units | $1,288,800 | $843,500 |
| 4 Units | $1,601,750 | $1,048,300 |
Affordability Snapshot — Zip 01564
To purchase the median home at $522,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,153.
Monthly Payment
$4,153
Income Required
$177,996
Principal & Interest
$3,219/mo
Down Payment (5%)
$26,125
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 01564.
Estimated Monthly Payment
$3,384
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