02180 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02180 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$770,000
Days to Sell
18
Homes Sold
47
Inventory
48
Sale-to-List
103.5%
New Listings
99
Price/SqFt
$425
Pending Sales
76
Conforming Loan Available
Most homebuyers in 02180 can comfortably use conventional financing. The median home price of $770,000 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 02180 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 02180 are selling 3.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 02180 can comfortably use conventional financing. The median home price of $770,000 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 02180 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 02180
To purchase the median home at $770,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,050.
Monthly Payment
$6,050
Income Required
$259,264
Principal & Interest
$4,745/mo
Down Payment (5%)
$38,500
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 02180.
Estimated Monthly Payment
$4,915
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