Boston, MA
02101 · Boston, MA has a HavenScore of 51 — population, income, and price trajectory all line up on the growth side.
At the ZIP's typical value, the estimated monthly payment takes 64% of the local median income (Zillow, US Census ACS) and runs $2,129 a month more than the median rent (Zillow ZORI). The buyer/seller gauge leans narrowly toward sellers, a lean that began this month.
Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.
Scores above 56% of ZIPs nationally
Ranked #6,157 of 13,130 nationally · #3,259 of 6,756 mid-size ZIPs
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Snapshot
Numbers at a glance, with a year of history under each
What drives the score
Five pillars, each scored 0–100
Market signals
Tailwinds and headwinds right now
- Strong migration inflow+5.5% net — people moving in
- High price-to-income7.9× income — well above the national median
- Potentially overvalued97% above historical price-to-income
Market conditions
Leaning Seller
The score reads conditions tightening in sellers' favor.
Cycle read. Accelerating: prices +2.3% over the trailing year, with the market leaning toward sellers.
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
Trend
Where it's been
Forecast
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.
Monthly cost
What you'd owe each month
20% down · 30-yr fixed · 7.03% · tax 1.14%
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
64%of the ZIP’s median income at the median value ($5,029/mo against $95,000 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
Run the numbers
Your price, rate, down payment and income
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Comparable ZIPs
Same shape, lower entry
ZIPs the score groups near 02101 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).
- Saves $234k
- Saves $230k
- Saves $226k
- Saves $224k
Sources
Every number, traced
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
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