02649 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02649 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
114 sales in 2026 (year to date)
Median Sale Price
$626,325
Days to Sell
40
Homes Sold
114
Inventory
106
Sale-to-List
98.1%
New Listings
172
Price/SqFt
$370
Pending Sales
153
Conforming Loan Available
Most homebuyers in 02649 can comfortably use conventional financing. The median home price of $626,325 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
02649's market is balanced with homes taking an average of 40 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 02649 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02649 can comfortably use conventional financing. The median home price of $626,325 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 02649 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 02649
To purchase the median home at $626,325 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,949.
Monthly Payment
$4,949
Income Required
$212,087
Principal & Interest
$3,859/mo
Down Payment (5%)
$31,316
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 02649.
Estimated Monthly Payment
$4,026
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