What Is the Quincy MA Housing Market Doing Right Now? (Fall 2026 Update)
Last updated: October 3, 2026
FRESHNESS: rate/stat-dependent
MARKET INSIGHTS
What Is the Quincy MA Housing Market Doing Right Now? (Fall 2026 Update)
October 3, 2026 | By Krista Recker
Quincy's housing market did not cool this year so much as it split in two. The cleanest property type split I can source and date comes from MLS PIN data compiled year to date through June 3, 2026: single family homes were at 1.4 months of supply and sold at an average of 102.2% of list price, while condos were at 3.3 months of supply, sold at an average of 99.2% of list, and carried about 49% more active listings than a year earlier. Citywide figures running through a more recent period tell a consistent story. Redfin reported a median sale price of $669,557 for the three months ending August 2026, down 4.3% from a year earlier, with homes still selling in a median of 21 days.
The bigger change this fall is not on the price side at all. It is on the financing side. As of Freddie Mac's weekly survey released September 17, 2026, the 30 year fixed rate averaged 6.95%, up from 6.76% the week before and up from 6.26% a year earlier. On a loan sized to Quincy's median sale price, that year over year move costs a buyer about $244 more every month, or roughly $2,930 a year, assuming the same purchase price, 20% down payment, loan term, and loan amount.
So if you are asking whether the market got easier, the honest answer is that it got easier to negotiate and harder to afford at the same time. Which of those two matters more depends entirely on whether you are buying a condo or a single family, and on whether you are paying cash or financing.
Below: what the numbers actually say, why the median fell while price per square foot rose, what the rate move costs in real monthly dollars, and what I would do right now if you are on either side of a Quincy transaction.
Who this applies to
This is written for you if any of the following is true:
- You are shopping in Quincy this fall and want to know whether waiting until spring helps you or hurts you.
- You are thinking about listing a Quincy home and you are trying to decide between October and April.
- You own a Quincy condo and you have noticed units near you sitting longer than they used to.
- You are an investor watching Quincy and deciding whether the loosening on the condo side is an opening.
- You keep seeing Quincy home price figures that contradict each other and you want to know which one to trust.
If you are a cash buyer, skip ahead to the condo and single family split, because the rate section does not apply to you and the supply section is where your leverage lives. If you are financing, read the rate section first, because it moved more this quarter than Quincy prices did.
What is the median home price in Quincy MA right now?
About $670,000 across all home types. Redfin reported a Quincy citywide median sale price of $669,557 for the three months ending August 2026, down 4.3% from the same period a year earlier.
That number describes the middle of everything that closed, which is not the same as the price of any particular kind of home. Breaking it apart by zip code gives you something more usable. The zip codes below are useful geographic shorthand, but they are not formal neighborhood boundaries, so treat the neighborhood labels as general descriptions rather than precise market lines:
| Quincy area, three months ending August 2026 | Median sale price | Median price per square foot |
|---|---|---|
| Citywide, all home types | $669,557, down 4.3% year over year | $469, up 3.9% year over year |
| Zip 02170, Wollaston and Merrymount | About $800,000 | About $427 |
| Zip 02169, Quincy Center, Quincy Point, Houghs Neck, Germantown | About $659,000 | About $479 |
Notice that 02170 has the higher median and the lower price per square foot of those two. That difference may reflect housing mix. A larger single family home often carries a higher total sale price but a lower price per square foot than a smaller condo does. Neither zip is "better." They are selling different things, and to understand any one of them you have to compare property type, living area, condition, age, and proximity to water or transit, not just the zip level median.
I left zip 02171, which covers North Quincy, Squantum, and Marina Bay, out of that table on purpose. Checking it this week returned three different medians for the same period depending on how the page was pulled, and I could not confirm the price per square foot at all. Rather than publish a number I cannot stand behind, I would rather tell you to pull 02171 live before you rely on it.
Market figures captured from Redfin's Quincy housing market and zip code pages on September 17, 2026, reflecting the three months ending August 2026, and re-checked October 1, 2026. Housing portals revise historical figures and sometimes display a different period than the one selected, so treat these as the numbers on those dates rather than final. Rate figures are from Freddie Mac's Primary Mortgage Market Survey released September 17, 2026.
One more thing worth saying plainly, because it comes up constantly. If you look up "Quincy median home price" you will find figures ranging from roughly $550,000 to over $800,000 depending on the site. They are not all wrong. They are measuring different things: closed sales versus asking prices, all home types versus single family only, a single month versus a rolling quarter, and estimated values versus actual transactions. Averaging them produces a number that describes nothing. Pick one source, note its definition and date, and compare it only to itself over time.
Are Quincy home prices going up or down?
Both, and that is not a dodge. The citywide median fell 4.3% year over year while the median price per square foot rose 3.9% over the same period. Those two facts sound contradictory and they are not.
When the median falls and price per foot rises, it usually means the mix of what sold got smaller. More condos and fewer large single families in the closed pool pulls the middle sale price down even if every individual property held or gained value. A citywide median is a measure of what sold, not a measure of what things are worth.
So the useful read is this: these citywide figures on their own cannot tell you whether values rose or fell across every Quincy segment. What they show is that the all home types median declined while the median price per square foot increased. That combination is consistent with a sales mix shift, meaning a greater share of smaller homes and condos in the closed pool, which is what you would expect when financing costs rise and buyers adjust their budgets downward. It does not prove that explanation, and it does not rule out some genuine softening in value either. Proving it would take a repeat sales or matched property analysis, which a citywide median cannot do.
What that means for you personally depends on what you own or want to buy. If you own a three bedroom single family in Wollaston, the citywide median tells you almost nothing about your value. Pull comparable sales on your own block from the last 90 days. That is the only price signal that describes your house.
How fast are homes selling in Quincy, and are they still going over asking?
Fast, and yes, though less often than a year ago. Over the three months ending August 2026, Quincy homes sold in a median of 21 days, the sale to list price ratio was 101.1%, and 48.7% of homes sold above list price.
Hold that 48.7% figure next to the softer median for a second. Nearly half of everything that closed in Quincy this summer still went for more than the seller asked. That is not a buyer's market by any normal definition. It is a market where well priced, well presented homes still get competed over and everything else sits.
The 101.1% sale to list ratio also fell by about 0.43 points year over year, which is a real move but a small one. Sellers are still getting asking price on average. They are just no longer getting the automatic overbid that showed up on nearly everything in 2021 and 2022.
For a buyer, the practical translation is that you should still expect to pay at or slightly above asking on a home that is priced correctly and shows well. Your negotiating room is in the listings that have already been on the market for 30 days or more. The June MLS snapshot showed condos taking longer to reach an accepted offer than single family homes, 33 days versus 22, alongside materially higher condo inventory, so the condo side is where you are more likely to find those listings.
Is Quincy a buyer's market or a seller's market in fall 2026?
It depends which market you mean, and this is the single most useful thing in this post.
Months of supply is the standard measure. Under about four months usually favors sellers. Over about six usually favors buyers. In between is roughly balanced. Here is how Quincy's two main property types compared in MLS PIN data compiled year to date through June 3, 2026:
| Quincy market measure, year to date through June 3, 2026 | Single family homes | Condominiums |
|---|---|---|
| Months of supply | 1.4 months, a clear seller's market | 3.3 months, still seller-favored but far closer to balanced |
| Average sale price as a % of list price | 102.2%, meaning the average home sold above asking | 99.2%, meaning the average condo sold below asking |
| Average days from listing to accepted offer | 22 days | 33 days |
| Active listings versus a year earlier | 38 active, up from 35, essentially flat | 91 active, up from 61, an increase of about 49% |
| Average sale price year to date | $808,633, up 10.6% year over year | $529,284, up 2.4% year over year |
| Average sale price per square foot | $502, up 8.0% year over year | $511, up 9.1% year over year |
Read the condo column top to bottom and you can see a market that actually changed. Half again as many active listings, an average sale below asking, and an extra 11 days to get an offer. Read the single family column and you see a market that barely moved: flat inventory, still selling above asking, still under six weeks to an accepted offer, with the average sale price up more than 10%.
Two caveats on that table, and they matter. First, those are averages rather than medians, so a handful of high end single family sales pull that $808,633 figure upward more than a median would. Second, that data was compiled in early June and reflects the year to date through that point, so it describes the spring market rather than September. I am using it because it is the cleanest apples to apples split of Quincy's two property types I can source and date, not because it is this week's snapshot. The direction it shows is consistent with what the citywide summer figures show, and with what I see in the field.
If you want a one sentence answer: on the most recent property type data I can source, Quincy single family was a seller's market and Quincy condos were moving toward a balanced one, and anyone who tells you "the Quincy market" is doing one single thing is not looking closely enough.
What are mortgage rates doing, and what does that actually cost a Quincy buyer?
Rates rose through September. Freddie Mac's survey put the 30 year fixed at 6.95% as of September 17, 2026, up from 6.76% the previous week and up from 6.26% at the same point a year earlier. The 15 year fixed averaged 6.26%, up from 5.41% a year ago.
Percentages are abstract, so here is the same information in dollars. Take Quincy's citywide median sale price of $669,557 with 20% down, which is a loan of about $535,646, and run the principal and interest payment at each rate:
- At 6.26%, last year's rate: about $3,302 a month
- At 6.76%, the rate one week earlier: about $3,478 a month
- At 6.95%, the September 17 rate: about $3,546 a month
That is about $244 more per month than a year ago, or roughly $2,930 a year, on an identical house at an identical price. One single week of rate movement, from 6.76% to 6.95%, added about $68 a month by itself.
The more useful way to think about it is purchasing power. If your budget is a monthly payment rather than a price, the payment that financed a $535,646 loan at 6.26% finances only about $498,800 at 6.95%. That is roughly $37,000 less borrowed, or about $46,000 less house at 20% down. A 4.3% dip in the citywide median did not come close to offsetting that.
These payment figures are my own calculations using the Freddie Mac survey rates above, a 30 year fixed loan, and 20% down. They cover principal and interest only. They do not include Quincy property taxes at the FY2026 residential rate of $11.78 per $1,000 of assessed value, which on a $669,557 assessment runs about $657 a month, and they do not include homeowners insurance, condo fees, or mortgage insurance. Your actual rate depends on your credit, your down payment, the property type, and the day you lock. Get a real quote from a lender rather than planning around a survey average.
What should you do if you are buying in Quincy this fall?
Start with which property type you are shopping, because your leverage is completely different.
If you are buying a condo, this is a materially better negotiating environment than the June 2025 comparison in the same dataset showed. With roughly 3.3 months of supply and an average sale below asking, you can reasonably ask for a price concession, a repair credit, or a seller-paid rate buydown on a unit that has been sitting. Conditions can change quickly as new listings, accepted offers, and rates move, so treat it as the current opening rather than a permanent one. Focus on listings past 30 days on market, not the fresh ones. Ask the listing agent what the seller's timeline is before you write.
If you are buying a single family, adjust your expectations. At 1.4 months of supply and an average sale above asking, the well priced houses are still competitive. Your edge is preparation rather than negotiation: a real pre-approval, a clean offer, flexibility on the closing date, and the willingness to move within 48 hours of seeing something good.
On the waiting question, I will give you the same answer I give clients. Waiting for lower rates is a bet on something nobody can predict, and the last twelve months went the wrong direction for everyone who made it. Waiting because you need six more months of savings, or because your job situation is unsettled, or because you have not talked to a lender yet, is a real reason and a good one. The difference between those two kinds of waiting is the whole decision. One is a plan and the other is a forecast.
One more thing on seasonality, offered as my observation rather than as a measured fact. Buyer activity in Greater Boston often increases in spring, which can mean more competition then and somewhat less of it now. Some fall sellers also have more time-sensitive reasons to move, though motivation varies household by household. Both of those are worth checking rather than assuming: look at current listing and pending-sale counts in your price range, and ask the listing agent about the seller's timeline instead of guessing at it.
What should you do if you are selling a Quincy home this fall?
Price it to the current market rather than to the spring one, and know which of the two Quincy markets you are actually in.
If you are selling a single family, the data still supports pricing with confidence. The average Quincy single family sold above asking this year and inventory has not meaningfully increased. That does not license overpricing, because the market rewarding accurate pricing is exactly what produces an above-asking average. It means a correctly priced house should still draw competition.
If you are selling a condo, the market you are pricing into is not the one you remember. The average Quincy condo sold at 99.2% of list and took 33 days to get an offer, with about half again as many competing listings as a year ago. The first ten days of exposure are worth more than any price reduction you make in week six, so getting the number right at launch matters more than usual. If a nearby unit has been sitting at your target price for two months, that is your market telling you something before you list.
On the timing question: the case for waiting until spring is that buyer activity often picks up then. The case for listing now is that you may face fewer competing sellers, plus the possibility that rates keep rising, which would shrink your buyer pool further. Neither is obviously correct. What tips it is your own situation, particularly whether you need to buy something else and what that purchase costs you at 6.95%.
Run both scenarios with real numbers before you decide. Most sellers I talk to have never seen the two outcomes side by side, and the comparison usually settles the question in about fifteen minutes.
The Bottom Line
Quincy is not one market, it is two. In the MLS PIN data compiled through June 3, 2026, single family homes were tight: roughly 1.4 months of supply, the average sale above asking, and 22 days to an accepted offer. Condos had genuinely loosened: roughly 3.3 months of supply, the average sale below asking, and about 49% more active listings than a year earlier. That split is a spring reading rather than a September one, so verify it against current inventory before you act on it, but treating the two property types as one market will lead you to the wrong decision on either side.
The number that moved most this year is not a Quincy number at all. The 30 year fixed rate went from 6.26% to 6.95% over twelve months, which adds about $244 a month on a loan sized to Quincy's median sale price and cuts roughly $46,000 off what the same monthly payment buys. The citywide median fell 4.3% over the three months ending August 2026, and that decline is consistent with a change in what sold rather than a broad drop in value, though the citywide figures alone cannot settle which it was. What is clear either way is that financing got more expensive faster than the citywide median came down.
If you take one thing from this post, take the 48.7% figure. Nearly half of Quincy homes still sold above asking this summer, in a quarter when the median fell. That is what a market looks like when it is rewarding accurate pricing and punishing everything else, and it is the opposite of the "everything is slowing down" story you will hear this fall.