01054 — Franklin County, Massachusetts Market Snapshot
Housing market data for zip code 01054 in Franklin 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 Franklin County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$878,163
Days to Sell
19
Homes Sold
2
Inventory
5
Jumbo Loan Likely Needed
The median home in 01054 at $878,163 exceeds the 2026 conforming loan limit of $832,750 by $45,413. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 01054 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 01054 at $878,163 exceeds the 2026 conforming loan limit of $832,750 by $45,413. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 01054 are set at the county level.
2026 Loan Limits — Franklin 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 01054
To purchase the median home at $878,163 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,878.
Monthly Payment
$6,878
Income Required
$294,780
Principal & Interest
$5,411/mo
Down Payment (5%)
$43,908
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 01054.
Estimated Monthly Payment
$5,585
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