01826 — Essex County, Massachusetts Market Snapshot
Housing market data for zip code 01826 in Essex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$641,750
Days to Sell
20
Homes Sold
48
Inventory
23
Sale-to-List
102.2%
New Listings
68
Price/SqFt
$345
Pending Sales
55
Conforming Loan Available
Most homebuyers in 01826 can comfortably use conventional financing. The median home price of $641,750 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 01826 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01826 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01826 can comfortably use conventional financing. The median home price of $641,750 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01826 are set at the county level.
2026 Loan Limits — Essex County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $962,550 | $962,550 |
| 2 Units | $1,232,250 | $1,232,250 |
| 3 Units | $1,489,500 | $1,489,500 |
| 4 Units | $1,851,100 | $1,851,100 |
Affordability Snapshot — Zip 01826
To purchase the median home at $641,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,067.
Monthly Payment
$5,067
Income Required
$217,152
Principal & Interest
$3,954/mo
Down Payment (5%)
$32,088
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 01826.
Estimated Monthly Payment
$4,122
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