03253 — Belknap County, New Hampshire Market Snapshot
Housing market data for zip code 03253 in Belknap County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$650,000
Days to Sell
70
Homes Sold
30
Inventory
53
Sale-to-List
98.9%
New Listings
61
Price/SqFt
$287
Pending Sales
38
Conforming Loan Available
Most homebuyers in 03253 can comfortably use conventional financing. The median home price of $650,000 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 70 days on average, 03253 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 03253 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03253 can comfortably use conventional financing. The median home price of $650,000 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 03253 are set at the county level.
2026 Loan Limits — Belknap County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 03253
To purchase the median home at $650,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,130.
Monthly Payment
$5,130
Income Required
$219,861
Principal & Interest
$4,005/mo
Down Payment (5%)
$32,500
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 03253.
Estimated Monthly Payment
$4,173
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