02114 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02114 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$800,000
Days to Sell
34
Homes Sold
34
Inventory
82
Sale-to-List
99.4%
New Listings
101
Price/SqFt
$1,186
Pending Sales
45
Conforming Loan Available
The median home in 02114 at $800,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
02114's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 02114 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02114 at $800,000 falls within the 2026 conforming loan limit of $962,550, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 02114 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 02114
To purchase the median home at $800,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,279.
Monthly Payment
$6,279
Income Required
$269,115
Principal & Interest
$4,929/mo
Down Payment (5%)
$40,000
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 02114.
Estimated Monthly Payment
$5,101
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