02115 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02115 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$1,100,000
Days to Sell
34
Homes Sold
26
Inventory
71
Sale-to-List
97.7%
New Listings
93
Price/SqFt
$1,204
Pending Sales
41
Jumbo Loan Likely Needed
The median home in 02115 at $1,100,000 exceeds the 2026 conforming loan limit of $962,550 by $137,450. 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
02115'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
The average home in 02115 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 02115 at $1,100,000 exceeds the 2026 conforming loan limit of $962,550 by $137,450. 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 02115 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 02115
To purchase the median home at $1,100,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,578.
Monthly Payment
$8,578
Income Required
$367,622
Principal & Interest
$6,778/mo
Down Payment (5%)
$55,000
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 02115.
Estimated Monthly Payment
$6,958
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