02635 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02635 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$1,052,500
Days to Sell
103
Homes Sold
14
Inventory
26
Sale-to-List
96.6%
New Listings
28
Price/SqFt
$479
Pending Sales
20
Jumbo Loan Likely Needed
The median home in 02635 at $1,052,500 exceeds the 2026 conforming loan limit of $832,750 by $219,750. 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
With homes sitting for 103 days on average, 02635 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
The average home in 02635 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02635 at $1,052,500 exceeds the 2026 conforming loan limit of $832,750 by $219,750. 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 02635 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 02635
To purchase the median home at $1,052,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,214.
Monthly Payment
$8,214
Income Required
$352,025
Principal & Interest
$6,485/mo
Down Payment (5%)
$52,625
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 02635.
Estimated Monthly Payment
$6,664
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 02635.
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