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Boston city, MA

ZIP 02128 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02128

Median Home Value
$680,000
Median Rent
$1,853
Affordability Snapshot
$187,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,368/mo PITI).

24%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 02128 in Boston city, MA, a household would need roughly $187,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,368. That is about 103% above the local median household income ($92,079), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
28.6%-56% vs US avg
x
Vacancy Rate
7.9%-24% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$680,000
Home Value
$1,853
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached7.7%
  • 1-unit attached3.7%
  • 2-9 units66.6%
  • 10+ units21.4%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$680,000
Median rent$1,853
Owner-occupied28.6%
Vacant7.9%
Price-to-income7.4x
Est. income to buy$187,000