03461 — Cheshire County, New Hampshire Market Snapshot
Housing market data for zip code 03461 in Cheshire County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$632,500
Days to Sell
40
Homes Sold
16
Inventory
24
Sale-to-List
99.8%
New Listings
33
Price/SqFt
$283
Pending Sales
19
Conforming Loan Available
Most homebuyers in 03461 can comfortably use conventional financing. The median home price of $632,500 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
03461's market is balanced with homes taking an average of 40 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 03461 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03461 can comfortably use conventional financing. The median home price of $632,500 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 03461 are set at the county level.
2026 Loan Limits — Cheshire 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 03461
To purchase the median home at $632,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,996.
Monthly Payment
$4,996
Income Required
$214,115
Principal & Interest
$3,897/mo
Down Payment (5%)
$31,625
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 03461.
Estimated Monthly Payment
$4,064
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