03576 — Coos County, New Hampshire Market Snapshot
Housing market data for zip code 03576 in Coos County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$269,900
Days to Sell
161
Homes Sold
13
Inventory
41
Sale-to-List
96.3%
New Listings
29
Price/SqFt
$203
Pending Sales
11
Conforming Loan Available
Most homebuyers in 03576 can comfortably use conventional financing. The median home price of $269,900 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 161 days on average, 03576 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
The average home in 03576 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 03576 can comfortably use conventional financing. The median home price of $269,900 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 03576 are set at the county level.
2026 Loan Limits — Coos 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 03576
To purchase the median home at $269,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,218.
Monthly Payment
$2,218
Income Required
$95,052
Principal & Interest
$1,663/mo
Down Payment (5%)
$13,495
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 03576.
Estimated Monthly Payment
$1,820
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