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Ready to start the home or condo search around Boston? The market stays competitive, but more inventory in 2026 gives prepared buyers a better shot than recent years. The key is getting organized before you tour a single place.

Step 1: Get clear on your numbers
Start with a realistic monthly budget that includes mortgage, property taxes, insurance, and (for condos) HOA fees. Lenders may approve you higher than you should spend—aim for housing costs around 28% of gross income. Pull your credit reports early and fix any issues. Then get a full pre-approval (not just a pre-qualification) from a local lender. In this market, sellers expect it.

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MassHousing offers down-payment assistance (up to $25k–$30k depending on income and program) for eligible first-time buyers. Check current options with a MassHousing partner lender.

Step 2: Define what you actually need
Separate must-haves from nice-to-haves. Key decisions:

• Condo vs. single-family (condos are more affordable entry points in many neighborhoods)
• Location priorities (MBTA access, schools, parking, walkability)
• Size and layout
• Budget ceiling that still leaves room for closing costs and reserves

Neighborhoods matter a lot. Quincy, East Boston, Dorchester, and parts of Jamaica Plain or Roslindale often offer better value than core downtown areas.

Step 3: Use the search tools on this site
Search top-down - first the region (Center, North, West, South), town, then filter properties by price, type (condo or house), and other details. 

Step 4: Start touring with a plan
Plan to see 10–15 properties so you understand what your budget actually buys. For condos, request the condo docs (master deed, bylaws, budget, reserves) early and review the association’s financial health. Keep your inspection contingency—don’t waive it.

Most first-time buyers take 90–120 days from “I’m ready to look” to keys in hand. Pre-approval and a clear list of priorities are what separate people who find a place from those who keep watching listings.

Start with the numbers and the neighborhoods, and the rest of the process gets much clearer.