03229 — Merrimack County, New Hampshire Market Snapshot
Housing market data for zip code 03229 in Merrimack County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$479,500
Days to Sell
53
Homes Sold
12
Inventory
20
Sale-to-List
98.5%
New Listings
34
Price/SqFt
$263
Pending Sales
27
Conforming Loan Available
Most homebuyers in 03229 can comfortably use conventional financing. The median home price of $479,500 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
03229's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 03229 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03229 can comfortably use conventional financing. The median home price of $479,500 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 03229 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 03229
To purchase the median home at $479,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,824.
Monthly Payment
$3,824
Income Required
$163,876
Principal & Interest
$2,955/mo
Down Payment (5%)
$23,975
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 03229.
Estimated Monthly Payment
$3,118
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