CALCMONEY // MORTGAGE // MA // WELLESLEY HILLS // 02493
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 02493 in Wellesley Hills, MA. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,100,000
$1,680,000
$13,746
$589,102/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,100,000 | $1,890,000 | $12,511 | $15,136 | 6.95% |
| 20% Down | $2,100,000 | $1,680,000 | $11,121 | $13,746 | 6.95% |
| 25% Down | $2,100,000 | $1,575,000 | $10,426 | $13,051 | 6.95% |
Total monthly includes principal & interest, property tax (1.1% annual), and estimated homeowners insurance. PMI not included.
Highest Income Town in MA (ZIP 02493) sits within Wellesley Hills, Massachusetts with a median home price of $2,100,000 — significantly above the Wellesley Hills city-wide median of $1,950,000. At 80% LTV, the typical loan amount of $1,680,000 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 02493 run 1.1% annually, adding $1,925 per month on the median home. Median household income in this neighborhood is approximately $365,000, placing the price-to-income ratio at 5.8x. Massachusetts levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.