02138 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02138 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$924,000
Days to Sell
19
Homes Sold
34
Inventory
43
Sale-to-List
102.2%
New Listings
96
Price/SqFt
$925
Pending Sales
65
Conforming Loan Available
The median home in 02138 at $924,000 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 02138 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 02138 are selling 2.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 02138 at $924,000 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 02138 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 02138
To purchase the median home at $924,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,229.
Monthly Payment
$7,229
Income Required
$309,831
Principal & Interest
$5,693/mo
Down Payment (5%)
$46,200
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 02138.
Estimated Monthly Payment
$5,868
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 02138. Tell us what you're looking for.