ZIP 03864 (Ossipee, NH) Housing Market & Real Estate Update — February 23, 2026
03864 – February 23, 2026 – Ossipee-area snapshot: inventory stays tight, prices/values are mixed, and buyers may have more leverage as mortgage rates ease.
Top takeaways
- Inventory is still limited: Realtor.com shows 32 active listings for ZIP 03864 (Ossipee, Carroll County, NH) in its latest reporting period.
- Prices are sending mixed signals: Redfin shows a recent median sale price around $320K, while Zillow’s home value index for the ZIP is about $388.9K.
- Homes are taking longer to clear in some datasets, and discounts are showing up: Redfin reports recent sales going about 2.9% under list price on average.
Market snapshot (ZIP 03864)
ZIP 03864 is primarily associated with Ossipee in Carroll County, New Hampshire. On the market-data side, Realtor.com’s ZIP dashboard (reporting period: October 2025) puts the median home price at $280,000 with 32 active listings and an average 104 days on market. It also shows a 98% sale-to-list ratio, meaning homes sold slightly below asking on average that month.
Redfin’s ZIP housing market page (its most recent monthly snapshot) describes 03864 as ‘somewhat competitive’ with a median sale price of $320K, about 54 days on market, and 1 home sold in the period shown.
Zillow’s Home Value Index (ZHVI) is a different measure (estimated values, not just closed sales). For 03864 it shows a typical home value of $388,933, up 3.8% year over year (data through January 31, 2026).
Mortgage-rate watch
Nationally, Freddie Mac’s weekly survey shows the average 30-year fixed rate at 6.01% (as of February 19, 2026), with the 15-year at 5.35%. A small move in rates can matter a lot in a low-inventory ZIP like 03864: when payments ease, more buyers tend to re-enter the market, and well-priced listings move first.
What’s for sale nearby (no addresses)
Active inventory in 03864 is a mix of year-round homes, land, and some higher-value specialty properties. Examples visible on Redfin today include:
- A 3-bed, 2-bath single-family home around $425K with roughly 2,700 sq ft on under 1 acre.
- A wooded land parcel around $105K on 4+ acres.
- An income-oriented mixed-use property around $675K (larger building footprint) that could appeal to owner-operators.
If you’re shopping, the big practical question locally is water/septic, driveway and drainage, and winter access. Those items can swing total cost more than a modest list-price discount.
ServiceXTC local pro check
No verified ServiceXTC directory providers specifically tagged to ZIP 03864 surfaced in our internal index today. If you are a local inspector, HVAC contractor, electrician, plumber, or remodeler working the Ossipee area, this is a good time to make sure your ServiceXTC profile is up to date so buyers can find you during inspection season.
Sources (reference pages used)
- Realtor.com ZIP 03864 market dashboard
- Redfin ZIP 03864 housing market trends
- Zillow ZHVI for 03864
- Freddie Mac PMMS weekly mortgage rates
- UnitedStatesZipCodes profile for 03864 (city/county)
Locals: are you seeing more price cuts and longer days on market in Ossipee this winter, or are the best homes still going quickly?