02215 — Suffolk County, Massachusetts Market Snapshot
Housing market data for zip code 02215 in Suffolk County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$695,000
Days to Sell
35
Homes Sold
20
Inventory
52
Sale-to-List
96.3%
New Listings
69
Price/SqFt
$1,079
Pending Sales
29
Conforming Loan Available
Most homebuyers in 02215 can comfortably use conventional financing. The median home price of $695,000 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
02215's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 02215 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 02215 can comfortably use conventional financing. The median home price of $695,000 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 02215 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 02215
To purchase the median home at $695,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,475.
Monthly Payment
$5,475
Income Required
$234,637
Principal & Interest
$4,282/mo
Down Payment (5%)
$34,750
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 02215.
Estimated Monthly Payment
$4,451
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