01550 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01550 in Worcester County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$432,000
Days to Sell
26
Homes Sold
15
Inventory
12
Sale-to-List
104.7%
New Listings
24
Price/SqFt
$165
Pending Sales
19
Conforming Loan Available
Most homebuyers in 01550 can comfortably use conventional financing. The median home price of $432,000 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 01550 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 01550 are selling 4.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 01550 can comfortably use conventional financing. The median home price of $432,000 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 01550 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 01550
To purchase the median home at $432,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,460.
Monthly Payment
$3,460
Income Required
$148,279
Principal & Interest
$2,662/mo
Down Payment (5%)
$21,600
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 01550.
Estimated Monthly Payment
$2,824
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