01220 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01220 in Berkshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Berkshire County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$319,700
Days to Sell
139
Homes Sold
2
Inventory
3
Conforming Loan Available
Most homebuyers in 01220 can comfortably use conventional financing. The median home price of $319,700 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
With homes sitting for 139 days on average, 01220 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 01220 can comfortably use conventional financing. The median home price of $319,700 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 01220 are set at the county level.
2026 Loan Limits — Berkshire County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 01220
To purchase the median home at $319,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,599.
Monthly Payment
$2,599
Income Required
$111,405
Principal & Interest
$1,970/mo
Down Payment (5%)
$15,985
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 01220.
Estimated Monthly Payment
$2,129
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