02648 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02648 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$719,500
Days to Sell
35
Homes Sold
18
Inventory
14
Sale-to-List
98.6%
New Listings
32
Price/SqFt
$452
Pending Sales
30
Conforming Loan Available
The median home in 02648 at $719,500 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
02648's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 02648 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02648 at $719,500 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 02648 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 02648
To purchase the median home at $719,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,663.
Monthly Payment
$5,663
Income Required
$242,682
Principal & Interest
$4,433/mo
Down Payment (5%)
$35,975
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 02648.
Estimated Monthly Payment
$4,603
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