01108 — Hampden County, Massachusetts Market Snapshot
Housing market data for zip code 01108 in Hampden County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$365,000
Days to Sell
26
Homes Sold
57
Inventory
44
Sale-to-List
101.7%
New Listings
95
Price/SqFt
$161
Pending Sales
86
Conforming Loan Available
Most homebuyers in 01108 can comfortably use conventional financing. The median home price of $365,000 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
Homes in 01108 are moving quickly at 26 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 01108 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01108 can comfortably use conventional financing. The median home price of $365,000 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 01108 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 01108
To purchase the median home at $365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,947.
Monthly Payment
$2,947
Income Required
$126,279
Principal & Interest
$2,249/mo
Down Payment (5%)
$18,250
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 01108.
Estimated Monthly Payment
$2,409
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