03104 — Rockingham County, New Hampshire Market Snapshot
Housing market data for zip code 03104 in Rockingham County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$527,500
Days to Sell
36
Homes Sold
56
Inventory
39
Sale-to-List
102.4%
New Listings
86
Price/SqFt
$292
Pending Sales
70
Conforming Loan Available
Most homebuyers in 03104 can comfortably use conventional financing. The median home price of $527,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
03104's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 03104 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 03104 can comfortably use conventional financing. The median home price of $527,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 03104 are set at the county level.
2026 Loan Limits — Rockingham County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $962,550 | $962,550 |
| 2 Units | $1,232,250 | $1,232,250 |
| 3 Units | $1,489,500 | $1,489,500 |
| 4 Units | $1,851,100 | $1,851,100 |
Affordability Snapshot — Zip 03104
To purchase the median home at $527,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,192.
Monthly Payment
$4,192
Income Required
$179,637
Principal & Interest
$3,250/mo
Down Payment (5%)
$26,375
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 03104.
Estimated Monthly Payment
$3,415
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 03104. Tell us what you're looking for.