01585 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01585 in Worcester 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
$379,950
Days to Sell
69
Homes Sold
10
Inventory
14
Sale-to-List
99.9%
New Listings
26
Price/SqFt
$254
Pending Sales
17
Conforming Loan Available
Most homebuyers in 01585 can comfortably use conventional financing. The median home price of $379,950 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
With homes sitting for 69 days on average, 01585 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 01585 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01585 can comfortably use conventional financing. The median home price of $379,950 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 01585 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 01585
To purchase the median home at $379,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,188
Principal & Interest
$2,341/mo
Down Payment (5%)
$18,998
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 01585.
Estimated Monthly Payment
$2,501
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