01540 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01540 in Worcester County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$443,750
Days to Sell
29
Homes Sold
16
Inventory
11
Sale-to-List
101.0%
New Listings
29
Price/SqFt
$265
Pending Sales
28
Conforming Loan Available
Most homebuyers in 01540 can comfortably use conventional financing. The median home price of $443,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 01540 are moving quickly at 29 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 01540 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01540 can comfortably use conventional financing. The median home price of $443,750 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 01540 are set at the county level.
2026 Loan Limits — Worcester County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $545,100 |
| 2 Units | $1,066,250 | $697,800 |
| 3 Units | $1,288,800 | $843,500 |
| 4 Units | $1,601,750 | $1,048,300 |
Affordability Snapshot — Zip 01540
To purchase the median home at $443,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,550.
Monthly Payment
$3,550
Income Required
$152,137
Principal & Interest
$2,734/mo
Down Payment (5%)
$22,188
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 01540.
Estimated Monthly Payment
$2,896
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