01226 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01226 in Berkshire 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
$311,700
Days to Sell
45
Homes Sold
10
Inventory
12
Sale-to-List
99.1%
New Listings
25
Price/SqFt
$172
Pending Sales
20
Conforming Loan Available
Most homebuyers in 01226 can comfortably use conventional financing. The median home price of $311,700 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
01226's market is balanced with homes taking an average of 45 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 01226 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01226 can comfortably use conventional financing. The median home price of $311,700 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 01226 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 01226
To purchase the median home at $311,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,538.
Monthly Payment
$2,538
Income Required
$108,778
Principal & Interest
$1,921/mo
Down Payment (5%)
$15,585
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 01226.
Estimated Monthly Payment
$2,079
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