Higher mortgage rates are meeting stronger demand in one part of Boston
CNBC reported the average 30-year fixed mortgage rate reached 7.49% as of October 7, 2026. That is a real cost. It adds hundreds of dollars to a monthly payment. But in ZIP 02110, buyers kept showing up anyway.
The Real Estate Data Aggregator counted 43 homes sold in ZIP 02110 in the three months ending August 31, 2026. That is up 72% from the same three months in 2025. Pending sales hit 38, up 72.7%. Supply fell to 4.3 months, down 3.9 months from a year before. Demand absorbed listings at a solid pace, even with rates this high.
What the price picture looks like
The Real Estate Data Aggregator put the median sale price in ZIP 02110 at $1,660,000. That is up 24.8% from a year before. Homes sat on the market a median of 54 days, which is 9 days longer than last year. Not every home moved fast, but most closed close to asking. The Real Estate Data Aggregator put the average sale-to-list ratio at 96.1%.
How ZIP 02110 compares with nearby ZIP codes
Not every part of Boston looked the same. The Real Estate Data Aggregator counted 26 homes sold in ZIP 02111, up only 4% year over year, with supply rising to 6.3 months. Pending sales there fell 34.6%. ZIP 02127 had 197 homes sold, up 5.9%, with supply at 2.3 months. ZIP 02110 stood apart on sales growth and supply tightening.
| 02110 | 02111 | 02127 | |
|---|---|---|---|
| Homes sold | 43 | 26 | 197 |
| Sales change, year over year | +72% | +4% | +5.9% |
| Months of supply | 4.3 | 6.3 | 2.3 |
| Median sale price | $1,660,000 | $1,252,500 | $885,000 |
| Median days on market | 54 | 57 | 28 |
What higher rates are doing nationally
CNBC reported purchase mortgage applications declined 2% for the week of October 7, 2026. Refinance applications were 56% lower than the same week a year ago, also per CNBC. Nationally, the Federal Housing Finance Agency said U.S. home prices rose 2.6% from July 2025 to July 2026. Rates are squeezing buyers broadly, but some markets are still moving.
A quick look at the wider Boston area
Realtor.com reported the median home price in the Boston-Cambridge-Newton metro area at $784,778 as of September 30, 2026. Days on market in Boston increased 6 days compared with September 2025, also per Realtor.com. The market is not frozen, but buyers are taking a little more time.
- In the three months ending August 31, 2026, ZIP 02110 saw sales jump 72% and pending sales rise 72.7%, while supply fell to 4.3 months.
- That happened even as CNBC reported the 30-year rate at 7.49%.
- One neighborhood can read very differently from the ZIP code next door, or from the metro as a whole.
One street can look very different from the ZIP code around it. If you are on a block in any of these areas, your home's story may not match what the numbers say for the whole ZIP. Reach out and let's look at what is happening right where you are.
Your next step
Text me your address and I will send back what homes near you in Boston actually sold for in the three months ending August 31, 2026, and how your home compares. Takes a day, costs nothing.
Get my home value- Real Estate Data Aggregator numbers for ZIPs 02109, 02110, 02111, 02117, 02127, 02128, 02133, 02205 and 02210, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
- Realtor.com: September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%, Sep 30, 2026
- Realtor.com: August 2026 Rental Report: Rents Fall for 37th Straight Month as Concessions Give Renters More Leverage, Sep 17, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026
- CNBC: Refinance demand is now half what it was a year ago, as mortgage rates rise again, Oct 7, 2026
- CNBC: Young voters struggle to afford housing. But they don't expect help from political candidates, Oct 6, 2026
- No Real Estate Data Aggregator numbers for 02112, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02196, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02201, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02203, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02211, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02212, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02241, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02266, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02293, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02295, so this part is from websites alone.
- No Real Estate Data Aggregator numbers for 02297, so this part is from websites alone.