02646 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02646 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
$672,500
Days to Sell
26
Homes Sold
10
Inventory
4
Sale-to-List
95.6%
New Listings
14
Price/SqFt
$569
Pending Sales
12
Conforming Loan Available
The median home in 02646 at $672,500 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 02646 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 02646 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02646 at $672,500 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 02646 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 02646
To purchase the median home at $672,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,302.
Monthly Payment
$5,302
Income Required
$227,249
Principal & Interest
$4,144/mo
Down Payment (5%)
$33,625
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 02646.
Estimated Monthly Payment
$4,312
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