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Boston city, MA

ZIP 02130 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02130

Median Home Value
$763,700
Median Rent
$2,263
Affordability Snapshot
$210,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,906/mo PITI).

21%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

28.1 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 02130 in Boston city, MA, a household would need roughly $210,000 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 $4,906. That is about 61% above the local median household income ($130,533), 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
45.6%-30% vs US avg
x
Vacancy Rate
4.7%-55% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
21.3%-57% vs US avg
x
Mortgage-Free
28.8%-25% vs US avg
x
$763,700
Home Value
$2,263
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 detached12.3%
  • 1-unit attached3.9%
  • 2-9 units57.3%
  • 10+ units26.0%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$763,700
Median rent$2,263
Owner-occupied45.6%
Vacant4.7%
Price-to-income5.9x
Est. income to buy$210,000