ZIP Code Market Report · Updated May 2026
Is 02101 a Buyer's
or Seller's Market?
📍 Boston, Massachusetts · MA
83
🔥 HOT
Seller's market — move fast
13 days avg on market · Tax rate: 1.14%/yr
Mortgage Breakdown — 02101
Median Price$820,000
20% Down$164,000
Loan Amount$656,000
Rate (~6.7%)$4,233/mo P&I
Property Tax$778/mo
Total PITI$5,352/mo
Income Needed$178,400/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
24.8%
of FHA applications denied in Boston, MA, 2025 · national 22.1%
CROSSCOUNTRY MORTGAGE, LLC
8.5% United Wholesale Mortgage
20.1% FREEDOM MORTGAGE CORPORATION
22.0% A 21.5-point spread between the busiest FHA lenders in this metro.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →