03820 — Strafford County, New Hampshire Market Snapshot
Housing market data for zip code 03820 in Strafford County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$629,000
Days to Sell
28
Homes Sold
37
Inventory
42
Sale-to-List
100.0%
New Listings
78
Price/SqFt
$337
Pending Sales
59
Conforming Loan Available
Most homebuyers in 03820 can comfortably use conventional financing. The median home price of $629,000 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
Homes in 03820 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 03820 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03820 can comfortably use conventional financing. The median home price of $629,000 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 03820 are set at the county level.
2026 Loan Limits — Strafford 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 03820
To purchase the median home at $629,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,969.
Monthly Payment
$4,969
Income Required
$212,966
Principal & Interest
$3,876/mo
Down Payment (5%)
$31,450
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 03820.
Estimated Monthly Payment
$4,043
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