02632 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02632 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$707,717
Days to Sell
26
Homes Sold
32
Inventory
31
Sale-to-List
97.1%
New Listings
58
Price/SqFt
$433
Pending Sales
43
Conforming Loan Available
The median home in 02632 at $707,717 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 02632 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 02632 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02632 at $707,717 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 02632 are set at the county level.
2026 Loan Limits — Barnstable County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $828,000 |
| 2 Units | $1,066,250 | $1,060,000 |
| 3 Units | $1,288,800 | $1,281,300 |
| 4 Units | $1,601,750 | $1,592,350 |
Affordability Snapshot — Zip 02632
To purchase the median home at $707,717 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,572.
Monthly Payment
$5,572
Income Required
$238,813
Principal & Interest
$4,361/mo
Down Payment (5%)
$35,386
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 02632.
Estimated Monthly Payment
$4,530
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