02453 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02453 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,082,000
Days to Sell
31
Homes Sold
12
Inventory
11
Sale-to-List
99.5%
New Listings
22
Price/SqFt
$455
Pending Sales
14
Jumbo Loan Likely Needed
The median home in 02453 at $1,082,000 exceeds the 2026 conforming loan limit of $962,550 by $119,450. 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
02453's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 02453 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02453 at $1,082,000 exceeds the 2026 conforming loan limit of $962,550 by $119,450. 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 02453 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 02453
To purchase the median home at $1,082,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,440.
Monthly Payment
$8,440
Income Required
$361,712
Principal & Interest
$6,667/mo
Down Payment (5%)
$54,100
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 02453.
Estimated Monthly Payment
$6,846
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