03249 — Belknap County, New Hampshire Market Snapshot
Housing market data for zip code 03249 in Belknap County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$541,000
Days to Sell
44
Homes Sold
17
Inventory
42
Sale-to-List
99.1%
New Listings
42
Price/SqFt
$375
Pending Sales
26
Conforming Loan Available
Most homebuyers in 03249 can comfortably use conventional financing. The median home price of $541,000 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
03249's market is balanced with homes taking an average of 44 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 03249 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03249 can comfortably use conventional financing. The median home price of $541,000 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 03249 are set at the county level.
2026 Loan Limits — Belknap County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 03249
To purchase the median home at $541,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,295.
Monthly Payment
$4,295
Income Required
$184,070
Principal & Interest
$3,333/mo
Down Payment (5%)
$27,050
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 03249.
Estimated Monthly Payment
$3,498
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