01603 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01603 in Worcester County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$418,250
Days to Sell
20
Homes Sold
22
Inventory
25
Sale-to-List
100.7%
New Listings
54
Price/SqFt
$261
Pending Sales
35
Conforming Loan Available
Most homebuyers in 01603 can comfortably use conventional financing. The median home price of $418,250 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 01603 are moving quickly at 20 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 01603 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 01603 can comfortably use conventional financing. The median home price of $418,250 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 01603 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 01603
To purchase the median home at $418,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,354.
Monthly Payment
$3,354
Income Required
$143,764
Principal & Interest
$2,577/mo
Down Payment (5%)
$20,913
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 01603.
Estimated Monthly Payment
$2,738
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