01851 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01851 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$495,000
Days to Sell
29
Homes Sold
27
Inventory
28
Sale-to-List
100.7%
New Listings
52
Price/SqFt
$318
Pending Sales
43
Conforming Loan Available
Most homebuyers in 01851 can comfortably use conventional financing. The median home price of $495,000 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 01851 are moving quickly at 29 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 01851 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01851 can comfortably use conventional financing. The median home price of $495,000 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 01851 are set at the county level.
2026 Loan Limits — Middlesex 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 01851
To purchase the median home at $495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,943.
Monthly Payment
$3,943
Income Required
$168,966
Principal & Interest
$3,050/mo
Down Payment (5%)
$24,750
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 01851.
Estimated Monthly Payment
$3,213
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