02121 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02121 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$547,500
Days to Sell
29
Homes Sold
14
Inventory
30
Sale-to-List
101.0%
New Listings
38
Price/SqFt
$347
Pending Sales
20
Conforming Loan Available
Most homebuyers in 02121 can comfortably use conventional financing. The median home price of $547,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 02121 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 02121 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02121 can comfortably use conventional financing. The median home price of $547,500 is well below the 2026 conforming loan limit of $962,550, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 02121 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 02121
To purchase the median home at $547,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,345.
Monthly Payment
$4,345
Income Required
$186,204
Principal & Interest
$3,374/mo
Down Payment (5%)
$27,375
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 02121.
Estimated Monthly Payment
$3,538
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