02644 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02644 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$627,500
Days to Sell
21
Homes Sold
10
Inventory
11
Sale-to-List
99.7%
New Listings
22
Price/SqFt
$450
Pending Sales
17
Conforming Loan Available
Most homebuyers in 02644 can comfortably use conventional financing. The median home price of $627,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 02644 are moving quickly at 21 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 02644 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02644 can comfortably use conventional financing. The median home price of $627,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 02644 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 02644
To purchase the median home at $627,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,958.
Monthly Payment
$4,958
Income Required
$212,473
Principal & Interest
$3,866/mo
Down Payment (5%)
$31,375
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 02644.
Estimated Monthly Payment
$4,033
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