02451 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02451 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$970,437
Days to Sell
27
Homes Sold
26
Inventory
21
Sale-to-List
100.3%
New Listings
53
Price/SqFt
$430
Pending Sales
45
Jumbo Loan Likely Needed
The median home in 02451 at $970,437 exceeds the 2026 conforming loan limit of $962,550 by $7,887. 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 02451 are moving quickly at 27 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 02451 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02451 at $970,437 exceeds the 2026 conforming loan limit of $962,550 by $7,887. 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 02451 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 02451
To purchase the median home at $970,437 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,585.
Monthly Payment
$7,585
Income Required
$325,079
Principal & Interest
$5,980/mo
Down Payment (5%)
$48,522
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 02451.
Estimated Monthly Payment
$6,156
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