03870 — Rockingham County, New Hampshire Market Snapshot
Housing market data for zip code 03870 in Rockingham 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
$1,325,000
Days to Sell
26
Homes Sold
13
Inventory
15
Sale-to-List
97.7%
New Listings
29
Price/SqFt
$658
Pending Sales
23
Jumbo Loan Likely Needed
The median home in 03870 at $1,325,000 exceeds the 2026 conforming loan limit of $962,550 by $362,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 03870 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 03870 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 03870 at $1,325,000 exceeds the 2026 conforming loan limit of $962,550 by $362,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 03870 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 03870
To purchase the median home at $1,325,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,302.
Monthly Payment
$10,302
Income Required
$441,503
Principal & Interest
$8,164/mo
Down Payment (5%)
$66,250
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 03870.
Estimated Monthly Payment
$8,350
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 03870.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 03870. Tell us what you're looking for.