CALCMONEY // MORTGAGE // MA // WINCHESTER // 01890
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 01890 in Winchester, MA. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,150,000
$920,000
$7,432
$318,497/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,150,000 | $1,035,000 | $6,851 | $8,193 | 6.95% |
| 20% Down | $1,150,000 | $920,000 | $6,090 | $7,432 | 6.95% |
| 25% Down | $1,150,000 | $862,500 | $5,709 | $7,051 | 6.95% |
Total monthly includes principal & interest, property tax (1% annual), and estimated homeowners insurance. PMI not included.
North Shore Commuter (ZIP 01890) sits within Winchester, Massachusetts with a median home price of $1,150,000 — significantly above the Winchester city-wide median of $1,150,000. At 80% LTV, the typical loan amount of $920,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 01890 run 1% annually, adding $958 per month on the median home. Median household income in this neighborhood is approximately $205,000, placing the price-to-income ratio at 5.6x. Massachusetts levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.