03106 — Merrimack County, New Hampshire Market Snapshot
Housing market data for zip code 03106 in Merrimack County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$421,150
Days to Sell
12
Homes Sold
16
Inventory
7
Sale-to-List
101.5%
New Listings
26
Price/SqFt
$267
Pending Sales
22
Conforming Loan Available
Most homebuyers in 03106 can comfortably use conventional financing. The median home price of $421,150 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
03106 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 03106 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03106 can comfortably use conventional financing. The median home price of $421,150 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 03106 are set at the county level.
2026 Loan Limits — Merrimack 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 03106
To purchase the median home at $421,150 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,377.
Monthly Payment
$3,377
Income Required
$144,716
Principal & Interest
$2,595/mo
Down Payment (5%)
$21,058
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 03106.
Estimated Monthly Payment
$2,756
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