02653 — Barnstable County, Massachusetts Market Snapshot
Housing market data for zip code 02653 in Barnstable County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$702,500
Days to Sell
73
Homes Sold
32
Inventory
30
Sale-to-List
97.0%
New Listings
41
Price/SqFt
$449
Pending Sales
40
Conforming Loan Available
The median home in 02653 at $702,500 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
With homes sitting for 73 days on average, 02653 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 02653 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02653 at $702,500 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 02653 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 02653
To purchase the median home at $702,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,532.
Monthly Payment
$5,532
Income Required
$237,100
Principal & Interest
$4,329/mo
Down Payment (5%)
$35,125
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 02653.
Estimated Monthly Payment
$4,498
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