WhereCanIAfford › Boston, MA › On $125,000

Is Boston, MA affordable on a $125,000 salary?

NO On $125,000/yr, the typical $725,639 home in Boston, MA needs $227,184/yr ($5,301/mo). Your gap: $-102,184 — housing would be 50.9% of your gross income.

The math

725,639 price − 10% down (72,564) = 653,075 loan
30-yr fixed at 7.18% on 653,075 = 4,424/mo principal+interest
+ 877/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
5,301/mo PITI ÷ 0.28 = 18,932/mo → 227,184/yr required

against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).

What salary WOULD clear Boston, MA?

You need about $227,184/yr for the typical home. That's $102,184 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full Boston, MA affordability breakdown → or every metro you can afford on $125,000 →