02130 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02130 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,495,000
Days to Sell
22
Homes Sold
11
Inventory
15
Sale-to-List
98.3%
New Listings
22
Price/SqFt
$383
Pending Sales
15
Jumbo Loan Likely Needed
The median home in 02130 at $1,495,000 exceeds the 2026 conforming loan limit of $962,550 by $532,450. 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
Homes in 02130 are moving quickly at 22 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 02130 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02130 at $1,495,000 exceeds the 2026 conforming loan limit of $962,550 by $532,450. 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 02130 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 02130
To purchase the median home at $1,495,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,604.
Monthly Payment
$11,604
Income Required
$497,323
Principal & Interest
$9,212/mo
Down Payment (5%)
$74,750
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 02130.
Estimated Monthly Payment
$9,402
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02130.
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