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Boston city, MA

ZIP 02108 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02108

Median Home Value
$1,570,400
Median Rent
$2,591
Affordability Snapshot
$432,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,088/mo PITI).

15%
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.

50.5 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 02108 in Boston city, MA, a household would need roughly $432,000 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 $10,088. That is about 103% above the local median household income ($212,664), 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

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.5%-18% vs US avg
x
Vacancy Rate
18.8%+83% vs US avg
x
Broadband Access
97.1%+12% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
47.4%+24% vs US avg
x
$1,570,400
Home Value
$2,591
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached0.0%
  • 1-unit attached13.5%
  • 2-9 units47.8%
  • 10+ units38.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,570,400
Median rent$2,591
Owner-occupied53.5%
Vacant18.8%
Price-to-income7.4x
Est. income to buy$432,000