02110 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02110 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,850,000
Days to Sell
69
Homes Sold
24
Inventory
86
Sale-to-List
95.2%
New Listings
92
Price/SqFt
$1,293
Pending Sales
36
Jumbo Loan Likely Needed
The median home in 02110 at $1,850,000 exceeds the 2026 conforming loan limit of $962,550 by $887,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 69 days on average, 02110 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 02110 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02110 at $1,850,000 exceeds the 2026 conforming loan limit of $962,550 by $887,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 02110 are set at the county level.
2026 Loan Limits — Suffolk County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $962,550 | $962,550 |
| 2 Units | $1,232,250 | $1,232,250 |
| 3 Units | $1,489,500 | $1,489,500 |
| 4 Units | $1,851,100 | $1,851,100 |
Affordability Snapshot — Zip 02110
To purchase the median home at $1,850,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,324.
Monthly Payment
$14,324
Income Required
$613,890
Principal & Interest
$11,399/mo
Down Payment (5%)
$92,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 02110.
Estimated Monthly Payment
$11,599
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02110.
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