01230 — Berkshire County, Massachusetts Market Snapshot
Housing market data for zip code 01230 in Berkshire County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$665,000
Days to Sell
158
Homes Sold
19
Inventory
65
Sale-to-List
95.0%
New Listings
59
Price/SqFt
$377
Pending Sales
29
Conforming Loan Available
Most homebuyers in 01230 can comfortably use conventional financing. The median home price of $665,000 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 158 days on average, 01230 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 01230 sells for 5.0% below asking price (95.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 01230 can comfortably use conventional financing. The median home price of $665,000 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 01230 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 01230
To purchase the median home at $665,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,245.
Monthly Payment
$5,245
Income Required
$224,787
Principal & Interest
$4,098/mo
Down Payment (5%)
$33,250
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 01230.
Estimated Monthly Payment
$4,266
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