01520 — Worcester County, Massachusetts Market Snapshot
Housing market data for zip code 01520 in Worcester County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$575,500
Days to Sell
22
Homes Sold
42
Inventory
27
Sale-to-List
101.9%
New Listings
73
Price/SqFt
$303
Pending Sales
48
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $575,500 median-priced home in 01520 is $546,725. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 01520 is 22 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 01520 is 101.9%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $575,500 median-priced home in 01520 is $546,725. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 01520 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 01520
To purchase the median home at $575,500 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $4,787.
Monthly Payment
$4,787
Income Required
$205,162
Principal & Interest
$3,546/mo
Property Tax
$863/mo
Home Insurance
$150/mo
Estimated PMI
$228/mo
Down Payment (5%)
$28,775
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 01520.
Estimated Monthly Payment
$3,712
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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