03054 — Hillsborough County, New Hampshire Market Snapshot
Housing market data for zip code 03054 in Hillsborough County, New Hampshire. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$366,266
Days to Sell
10
Homes Sold
34
Inventory
18
Sale-to-List
101.4%
New Listings
44
Price/SqFt
$265
Pending Sales
38
Conforming Loan Available
Most homebuyers in 03054 can comfortably use conventional financing. The median home price of $366,266 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
03054 is an extremely competitive market with homes selling in just 10 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 03054 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 03054 can comfortably use conventional financing. The median home price of $366,266 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 03054 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 03054
To purchase the median home at $366,266 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,956.
Monthly Payment
$2,956
Income Required
$126,695
Principal & Interest
$2,257/mo
Down Payment (5%)
$18,313
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 03054.
Estimated Monthly Payment
$2,417
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