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Featured local agent — North Chelmsford, MA
Sarah Mitchell
Compass Real Estate · North Chelmsford, MA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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North Chelmsford, MA Housing Market
The last median sale price Redfin published was $454,000, -5.4% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 26 days, North Chelmsford is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $454,000 home is about $2,424/mo in principal and interest.
Key numbers for North Chelmsford, MA
Median sale price
$454,000
-5.4% year over year
Redfin, through May 2026
Days on market
26
Average pace
Redfin, through May 2026
Active listings
2
1.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
103.2%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is North Chelmsford a buyer's or seller's market?
North Chelmsford, MA is a strong seller's market, based on 1.0 months of supply and homes selling in about 26 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the North Chelmsford housing market data show?
Every row below is Redfin's final published month for North Chelmsford, MA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $454,000 |
| Median list price | $425,000 |
| Year-over-year price change | -5.4% |
| Median price per sq ft | $322/sq ft |
| Median days on market | 26 days |
| Active inventory | 2 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 103.2% |
| Homes sold (that month) | 2 |
| New listings (that month) | 1 |
| Market condition | Strong seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for North Chelmsford is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in North Chelmsford is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have North Chelmsford home prices moved?
Across the 34 months we hold for North Chelmsford, MA, the median sale price rose 14.6%, from $396,225 in May 2021 to $454,000. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 103.2%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in North Chelmsford?
Priced off the median sale price of $454,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $90,800 | $363,200 | $2,424/mo |
| 5% | $22,700 | $431,300 | $2,878/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,424, that implies roughly $103,873 a year before you add taxes and insurance. We do not hold a Census income figure for North Chelmsford, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in North Chelmsford in the next 12 months?
Tell us your timeline. We send the North Chelmsford market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in North Chelmsford?
Zillow does not publish a rent index (ZORI) for North Chelmsford, MA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in North Chelmsford?
Active listings in North Chelmsford, MA went from 1 in October 2023 to 2 in May 2026, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| November 2023 | 1 | not published |
| February 2024 | 1 | 1 |
| April 2024 | 1 | 1 |
| June 2024 | 2 | 2 |
| July 2024 | 1 | not published |
| September 2024 | 1 | not published |
| May 2025 | 1 | 1 |
| July 2025 | 1 | 1 |
| November 2025 | 4 | 4 |
| December 2025 | 1 | not published |
| March 2026 | 1 | 1 |
| May 2026 | 2 | 1 |
Redfin, through May 2026
How does North Chelmsford compare to Massachusetts and the U.S.?
North Chelmsford homes sell for $454,000 — 34% below the Massachusetts median of $688,100. Against the national median of $410,700, North Chelmsford runs 11% higher. Year-over-year, North Chelmsford moved -5.4% against Massachusetts's +0.8% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| North Chelmsford, MA | $454,000 | -5.4% | 26 days |
| Massachusetts statewide | $688,100 | +0.8% | 21 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in North Chelmsford
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $454 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $454,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median North Chelmsford listing goes under contract in 26 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 103.2% of asking. Price at the number you want and let competition do the rest.
- In the last published month North Chelmsford added 1 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside North Chelmsford varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in North Chelmsford
There are currently 2 homes listed for sale in North Chelmsford, Massachusetts. The median listing price is $425K.
Active listings
2
Homes on market
Median list price
$425K
Avg. days on market
26
Days until sale
New this week
1
Newly listed
How much do homes cost in North Chelmsford by property type?
How the North Chelmsford, MA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $514,900 | $357/sq ft | 1 | 25 days |
| Condo / co-op | $301,000 | $307/sq ft | 2 | 35 days |
| Townhouse | $454,000 | $322/sq ft | 2 | 26 days |
Which public schools serve North Chelmsford?
2 schools tracked · 1,890 students
The largest public schools serving North Chelmsford, MA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Chelmsford High
Grades 9-12 · 1,413 students
Charles D Harrington
Grades K-4 · 477 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near North Chelmsford, MA?
Ordered by distance from North Chelmsford, not by size. Compare North Chelmsford side by side with any of them.
North Chelmsford housing market FAQ
Is North Chelmsford a buyer's or seller's market?
North Chelmsford, MA is currently a strong seller's market. That read comes from 1.0 months of supply, homes going under contract in about 26 days, and sellers getting 103.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in North Chelmsford?
The median sale price in the last month Redfin published was $454,000, about $322 per square foot.
Is North Chelmsford cheaper than the rest of Massachusetts?
North Chelmsford's median sale price of $454,000 is 34% lower than the Massachusetts statewide median of $688,100, and 11% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in North Chelmsford?
Homes in North Chelmsford, MA spent a median of 26 days on market before going under contract, versus 21 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in North Chelmsford?
At the current 30-year fixed rate of 7.03%, 20% down on a $454,000 home is about $2,424 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $103,873 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in North Chelmsford?
Redfin's last published year-over-year change for North Chelmsford, MA was -5.4%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in North Chelmsford?
North Chelmsford ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in North Chelmsford?
That depends on your timeline, not on a headline. What the data says today: North Chelmsford, MA is a strong seller's market with 1.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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