Published October 1, 2026 in Market Update

Sea Coast is splitting into faster and slower pockets

By Vladimir Babic

Real estate, Sea Coast

These numbers cover the three months ending July 31, 2026. That is the period you need to know. And the clearest thing they show is this: Sea Coast is not one market right now. It is several, moving in different directions.

Freddie Mac put the 30-year fixed rate at 7.03% on September 24, 2026. Rates that high slow buyers down everywhere. But some parts of Sea Coast are barely feeling it. Others are sitting with supply levels that give buyers real room to negotiate.

The tightest pocket: ZIP 03823

The Real Estate Data Aggregator counted just 1.7 months of supply in ZIP 03823 for the three months ending July 31, 2026. That is the tightest in Sea Coast. Three in four homes there went under contract within two weeks of listing. The median sale price was $714,000, and sellers got 98.7% of list on average.

The slowest pocket: ZIP 03854

At the other end, the Real Estate Data Aggregator recorded 7.7 months of supply in ZIP 03854 for the same period. That is more than four times the supply in 03823. Only 2 homes sold. Sellers there got 95.4% of list on average, and not one home sold above list price.

How the ZIP codes stack up

Between those two extremes, the Real Estate Data Aggregator shows a wide range of conditions across Sea Coast for the three months ending July 31, 2026.

Speed: where homes move fastest

The Real Estate Data Aggregator tracked the share of homes going under contract within two weeks. ZIP 03823 led at 75%. ZIP 03903 was next at 52.9%, with a median of just 13 days on market. ZIP 03909 was the slowest, with 36.1% going under contract in two weeks and a median of 36 days.

Prices: a wide spread

Median sale prices ranged from $602,214 in ZIP 03820 to $1,300,000 in ZIP 03870, according to the Real Estate Data Aggregator for the three months ending July 31, 2026. Some ZIPs saw prices rise. Others dipped. ZIP 03801 dropped 16.8% year over year. ZIP 03870 rose 37.5%.

What rates mean for your ZIP right now

Freddie Mac reported the 30-year fixed rate at 7.03% on September 24, 2026. Realtor.com noted that rates climbed above 7% for the first time since January 2025. Nationally, Realtor.com reported that 20.8% of listings took price cuts in September, the highest share since October 2022.

That national pressure is real. But in the tighter parts of Sea Coast, like ZIP 03823 and ZIP 03824, buyers are still competing. In looser parts, like ZIP 03854 and ZIP 03840 with 6.3 months of supply, sellers are feeling it more. The Federal Housing Finance Agency reported that U.S. house prices rose 2.6% from July 2025 to July 2026. Sea Coast is split on both sides of that number.

One more thing worth knowing: even within a single ZIP code, one street can read very differently from the numbers above. A pocket of new listings, a cluster of recent sales, or a shift in buyer demand on a specific block can change what your home is worth and how fast it moves.