CALCMONEY // MORTGAGE // MA // BEDFORD // 01730
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 01730 in Bedford, MA. Loan amounts here typically exceed the conforming loan limit.
$980,000
$784,000
$6,333
$271,414/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $980,000 | $882,000 | $5,838 | $6,982 | 6.95% |
| 20% Down | $980,000 | $784,000 | $5,190 | $6,333 | 6.95% |
| 25% Down | $980,000 | $735,000 | $4,865 | $6,009 | 6.95% |
Total monthly includes principal & interest, property tax (1% annual), and estimated homeowners insurance. PMI not included.
Suburban Professional (ZIP 01730) sits within Bedford, Massachusetts with a median home price of $980,000 — significantly above the Bedford city-wide median of $980,000. At 80% LTV, the typical loan amount of $784,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 01730 run 1% annually, adding $817 per month on the median home. Median household income in this neighborhood is approximately $178,000, placing the price-to-income ratio at 5.5x. Massachusetts levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.