01886 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 01886 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$815,000
Days to Sell
22
Homes Sold
33
Inventory
33
Sale-to-List
100.7%
New Listings
73
Price/SqFt
$419
Pending Sales
58
Conforming Loan Available
The median home in 01886 at $815,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 01886 are moving quickly at 22 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 01886 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 01886 at $815,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 01886 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 01886
To purchase the median home at $815,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,394.
Monthly Payment
$6,394
Income Required
$274,040
Principal & Interest
$5,022/mo
Down Payment (5%)
$40,750
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 01886.
Estimated Monthly Payment
$5,194
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