02638 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02638 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
$849,950
Days to Sell
32
Homes Sold
14
Inventory
11
Sale-to-List
94.1%
New Listings
22
Price/SqFt
$552
Pending Sales
22
Jumbo Loan Likely Needed
The median home in 02638 at $849,950 exceeds the 2026 conforming loan limit of $832,750 by $17,200. 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
02638's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 02638 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02638 at $849,950 exceeds the 2026 conforming loan limit of $832,750 by $17,200. 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 02638 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 02638
To purchase the median home at $849,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,662.
Monthly Payment
$6,662
Income Required
$285,516
Principal & Interest
$5,237/mo
Down Payment (5%)
$42,498
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 02638.
Estimated Monthly Payment
$5,410
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 02638. Tell us what you're looking for.