ZIP code 02120

ZIP 02120 is a mid-size town in Suffolk County, Massachusetts, with 15,248 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #183 of 539 ranked by population — larger than 66% of them. The median age here is 24.5 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 02120 earn a median of $61,472 a year, 21.7% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 34.4% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 02120 is valued at $941,200, 210.2% above the national figure, while median gross rent runs $1,630 a month, 15.9% above the national figure, or roughly $19,560 across a full year. A household on the local median income would put about 31.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 15.3×, 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. 11.9% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. 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 15.3× 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. A median age of 24.5 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 02120 is tabulated inside Suffolk County, Massachusetts, one of 35 ZIP areas the Census publishes for that county and 539 across Massachusetts. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 02120 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 02120 reports a median household income of $61,472, 33% below the $91,111 county median, and 43% below the $107,198 typical MA ZIP. Owner-occupied homes are valued at a median of $941,200, 37% above the county figure and 95% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,630 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Massachusetts charges 6.25% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 02120.

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 02120 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.