01740 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01740 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
$855,000
Days to Sell
19
Homes Sold
12
Inventory
18
Sale-to-List
104.4%
New Listings
32
Price/SqFt
$333
Pending Sales
20
Jumbo Loan Likely Needed
The median home in 01740 at $855,000 exceeds the 2026 conforming loan limit of $832,750 by $22,250. 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
Homes in 01740 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01740 are selling 4.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 01740 at $855,000 exceeds the 2026 conforming loan limit of $832,750 by $22,250. 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 01740 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 01740
To purchase the median home at $855,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,701.
Monthly Payment
$6,701
Income Required
$287,175
Principal & Interest
$5,268/mo
Down Payment (5%)
$42,750
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 01740.
Estimated Monthly Payment
$5,441
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