03868 — Strafford County, New Hampshire Market Snapshot
Housing market data for zip code 03868 in Strafford County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$510,000
Days to Sell
84
Homes Sold
17
Inventory
12
Sale-to-List
100.6%
New Listings
11
Price/SqFt
$311
Pending Sales
15
Conforming Loan Available
Most homebuyers in 03868 can comfortably use conventional financing. The median home price of $510,000 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
With homes sitting for 84 days on average, 03868 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 03868 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03868 can comfortably use conventional financing. The median home price of $510,000 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 03868 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 03868
To purchase the median home at $510,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,057.
Monthly Payment
$4,057
Income Required
$173,891
Principal & Interest
$3,142/mo
Down Payment (5%)
$25,500
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 03868.
Estimated Monthly Payment
$3,306
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