02128 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02128 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$721,500
Days to Sell
30
Homes Sold
12
Inventory
8
Sale-to-List
98.2%
New Listings
12
Price/SqFt
$496
Pending Sales
8
Conforming Loan Available
Most homebuyers in 02128 can comfortably use conventional financing. The median home price of $721,500 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
02128's market is balanced with homes taking an average of 30 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 02128 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 02128 can comfortably use conventional financing. The median home price of $721,500 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 02128 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 02128
To purchase the median home at $721,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,678.
Monthly Payment
$5,678
Income Required
$243,339
Principal & Interest
$4,446/mo
Down Payment (5%)
$36,075
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 02128.
Estimated Monthly Payment
$4,615
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