01854 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01854 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Middlesex County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$400,000
Days to Sell
28
Homes Sold
5
Inventory
3
Conforming Loan Available
Most homebuyers in 01854 can comfortably use conventional financing. The median home price of $400,000 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 01854 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 01854 can comfortably use conventional financing. The median home price of $400,000 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 01854 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 01854
To purchase the median home at $400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,215.
Monthly Payment
$3,215
Income Required
$137,772
Principal & Interest
$2,465/mo
Down Payment (5%)
$20,000
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 01854.
Estimated Monthly Payment
$2,626
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