ZIP code 02108

ZIP 02108 is a small town in Suffolk County, Massachusetts, with 4,178 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #362 of 539 ranked by population — larger than 32% of them. The median age here is 34.3 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 02108 earn a median of $212,664 a year, 170.8% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 14.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 02108 is valued at $1,570,400, 417.6% above the national figure, while median gross rent runs $2,692 a month, 91.5% above the national figure, or roughly $32,304 across a full year. A household on the local median income would put about 15.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 7.4×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 53.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 7.4× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 02108 is tabulated inside Suffolk County, Massachusetts, one of 35 ZIP areas the Census publishes for that county and 539 across Massachusetts. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 02108 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 02108 reports a median household income of $212,664, 133% above the $91,111 county median, and 98% above the $107,198 typical MA ZIP. Owner-occupied homes are valued at a median of $1,570,400, 128% above the county figure and 226% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,692 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 02108 carries 6.25% at the register, assembled from the Boston jurisdiction stack: the Massachusetts state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 02108 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 02108 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.