01022 — Hampden County, Massachusetts Market Snapshot
Housing market data for zip code 01022 in Hampden County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$230,500
Days to Sell
25
Homes Sold
14
Inventory
4
Sale-to-List
100.4%
New Listings
16
Price/SqFt
$258
Pending Sales
18
Conforming Loan Available
Most homebuyers in 01022 can comfortably use conventional financing. The median home price of $230,500 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
Homes in 01022 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 01022 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01022 can comfortably use conventional financing. The median home price of $230,500 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 01022 are set at the county level.
2026 Loan Limits — Hampden 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 01022
To purchase the median home at $230,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,916.
Monthly Payment
$1,916
Income Required
$82,115
Principal & Interest
$1,420/mo
Down Payment (5%)
$11,525
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 01022.
Estimated Monthly Payment
$1,577
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