ZIP Code 02144 — Somerville, MA Home Prices (2026)
The typical home in ZIP 02144 (Somerville, Massachusetts) is worth about $1,055,000 at roughly $734 per square foot — 11% more expensive than the Somerville median and 259% more expensive than the typical U.S. home.
How 02144 compares
ZIP 02144 is one of the pricier ZIP codes in Somerville: its typical home value of $1,055,000 ranks #1 of the 3 Somerville ZIP codes we track (the citywide range runs from $841,000 in 02145 to $1,055,000 in 02144). Per square foot it costs about $734, against $734 for Somerville as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 02144 | $1,055,000 | $734 |
| Somerville, MA | $948,000 | $734 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 02144
Using this ZIP’s rate of about $734 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $734,000 |
| 1,500 sq ft | $1,101,000 |
| 2,000 sq ft | $1,468,000 |
| 2,500 sq ft | $1,835,000 |
| 3,000 sq ft | $2,202,000 |
Salary needed to buy a home in ZIP 02144
To buy the typical $1,055,000 home in ZIP 02144 with 20% down, you need a household income of roughly $287,000 a year (about $6,700 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $341,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $52,800 | $8,320/mo | $357,000/yr |
| 10% (+PMI) | $105,500 | $7,960/mo | $341,000/yr |
| 20% | $211,000 | $6,700/mo | $287,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 02144
At about $734 per square foot, here is roughly how much home different budgets get you in ZIP 02144:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $500k | 680 sq ft | below the local median — condos, smaller or older homes |
| $600k | 820 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $1.00M | 1360 sq ft | around the typical home here |
| $1.50M | 2040 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 02144 home.
Estimate a specific home in 02144
The estimator below is pre-set to ZIP 02144 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Somerville ZIP codes by home value
Where 02144 sits among Somerville’s 3 ZIP codes:
ZIP 02144 home prices: frequently asked
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See the full Somerville home values page, all Massachusetts cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.