02420 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02420 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$1,945,000
Days to Sell
21
Homes Sold
41
Inventory
57
Sale-to-List
100.4%
New Listings
100
Price/SqFt
$547
Pending Sales
60
Jumbo Loan Likely Needed
The median home in 02420 at $1,945,000 exceeds the 2026 conforming loan limit of $962,550 by $982,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 02420 are moving quickly at 21 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 02420 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02420 at $1,945,000 exceeds the 2026 conforming loan limit of $962,550 by $982,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 02420 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 02420
To purchase the median home at $1,945,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,052.
Monthly Payment
$15,052
Income Required
$645,084
Principal & Interest
$11,984/mo
Down Payment (5%)
$97,250
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 02420.
Estimated Monthly Payment
$12,187
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02420.
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