03045 — Hillsborough County, New Hampshire Market Snapshot
Housing market data for zip code 03045 in Hillsborough County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$445,000
Days to Sell
8
Homes Sold
11
Inventory
8
Sale-to-List
100.9%
New Listings
26
Price/SqFt
$325
Pending Sales
20
Conforming Loan Available
Most homebuyers in 03045 can comfortably use conventional financing. The median home price of $445,000 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
03045 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 03045 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03045 can comfortably use conventional financing. The median home price of $445,000 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 03045 are set at the county level.
2026 Loan Limits — Hillsborough County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $589,950 |
| 2 Units | $1,066,250 | $755,250 |
| 3 Units | $1,288,800 | $912,900 |
| 4 Units | $1,601,750 | $1,134,550 |
Affordability Snapshot — Zip 03045
To purchase the median home at $445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,559.
Monthly Payment
$3,559
Income Required
$152,548
Principal & Interest
$2,742/mo
Down Payment (5%)
$22,250
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 03045.
Estimated Monthly Payment
$2,904
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