01605 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01605 in Worcester 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
$760,000
Days to Sell
23
Homes Sold
12
Inventory
7
Sale-to-List
99.1%
New Listings
11
Price/SqFt
$197
Pending Sales
10
Conforming Loan Available
The median home in 01605 at $760,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 01605 are moving quickly at 23 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 01605 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 01605 at $760,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 01605 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 01605
To purchase the median home at $760,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,973.
Monthly Payment
$5,973
Income Required
$255,981
Principal & Interest
$4,683/mo
Down Payment (5%)
$38,000
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 01605.
Estimated Monthly Payment
$4,853
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