US5.com
  1. Home
  2. States
  3. Massachusetts
  4. ZIP 02109
  5. Housing & Real Estate
Boston city, MA

ZIP 02109 — 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 02109

Median Home Value
$1,007,200
Median Rent
$3,346
Affordability Snapshot
$277,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,470/mo PITI).

23%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

25.1 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 02109 in Boston city, MA, a household would need roughly $277,000 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 $6,470. That is about 56% above the local median household income ($177,500), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
33.0%-50% vs US avg
x
Vacancy Rate
24.0%+133% vs US avg
x
Broadband Access
98.3%+13% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
32.5%-15% vs US avg
x
$1,007,200
Home Value
$3,346
Rent
1955
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached0.5%
  • 1-unit attached1.3%
  • 2-9 units27.4%
  • 10+ units70.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,007,200
Median rent$3,346
Owner-occupied33.0%
Vacant24.0%
Price-to-income5.7x
Est. income to buy$277,000