02125 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02125 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$1,240,000
Days to Sell
21
Homes Sold
13
Inventory
21
Sale-to-List
99.5%
New Listings
24
Price/SqFt
$378
Pending Sales
18
Jumbo Loan Likely Needed
The median home in 02125 at $1,240,000 exceeds the 2026 conforming loan limit of $962,550 by $277,450. 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 02125 are moving quickly at 21 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 02125 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 02125 at $1,240,000 exceeds the 2026 conforming loan limit of $962,550 by $277,450. 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 02125 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 02125
To purchase the median home at $1,240,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,650.
Monthly Payment
$9,650
Income Required
$413,592
Principal & Interest
$7,640/mo
Down Payment (5%)
$62,000
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 02125.
Estimated Monthly Payment
$7,824
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02125.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 02125. Tell us what you're looking for.