Earlier today I was speaking with a lender friend of mine, about Owner Occupancy Ratios and how they affect the purchase of a Beacon Hill condo. Yes, were that cool that we talk about this kind of stuff for fun. Before I dive into what I learned from this conversation, allow me to define Owner Occupancy Ratio (OOR).

The Owner Occupancy Ratio is the ratio of homeowners in a specific condo community who use their condo as a primary residence. For example, if your Midtown condo community has 100 units and 67 are owner occupied, you have a 67% OOR… seems easy right?

The owner-occupancy rate (or ratio) is the percentage of units in a housing complex that are lived in by the people who own them, rather than being rented out to tenants.

Why the Rate Is Important

This metric is a major indicator of a community’s stability and financial health. A high owner-occupancy rate is generally preferred for several key reasons:

Easier Financing: Many lenders, including the FHA, have strict minimum owner-occupancy requirements (often 50% or higher) for approving mortgage loans in buildings like condominiums.
Property Value & Upkeep: Owners typically have more “skin in the game” than renters. They are often more motivated to invest in property maintenance and renovations, which helps boost or preserve overall property values.
Lower Risk for Banks: Lenders view owner-occupied homes as lower risk because residents are less likely to default on their own primary residence compared to an investment property.
Community Stability: Areas with more owners tend to have lower turnover rates, leading to stronger social bonds and more active participation in Homeowners Associations (HOAs).
Favorable Loan Terms: Individual buyers can often secure lower interest rates and smaller down payments (as low as 3–5%) when they intend to live in the property themselves.

Where OOR can affect the purchase or sale of your Beacon Hill condo is in cases where the OOR drops below 51%. In these cases, the condo community now has more “non-owner occupied” units than “owner occupied.”

There are a lot of factors that come into play when you have a condo community under 51%, but the BIG TAKEAWAY from our conversation is that it DOES NOT limit your financing options if the home is your primary or secondary residence. Only if the purchase is your 3rd or greater property will a lower than 51% OOR effect you.

For more information about Owner Occupancy Issues, or purchasing a Beacon Hill condo in general, please feel free to contact us. We look forward to helping you find your condo here in Downtown Boston

Peace be with you

Boston Beacon Hill Condos for Sale

New Update 2026

Due to the new MLS rules, we can now list your Beacon Hill condo for 2%. Our fees are lower than Redfin! More info call 617-595-3712.

Updated: Boston Real Estate Blog 2020 – 2026

Condo Broker 137 Charles St. Boston, MA 02114

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63 Results

3 Goodwin Pl #B
Boston, MA 02114

1
Beds

1
Baths

236
SqFt

(12)

#73507963 | Condo

$399,900

6 Goodwin Place #B
Boston, MA 02114

0
Beds

1
Baths

235
SqFt

(16)

#73471866 | Condo

$419,900

21 Beacon St #3K
Boston, MA 02108

0
Beds

1
Baths

262
SqFt

(23)

#73509451 | Condo

$425,000

36 Joy St #3
Boston, MA 02114

0
Beds

1
Baths

200
SqFt

(16)

Virtual Tour

#73491318 | Condo

$429,000

57 Mount Vernon St #G2
Boston, MA 02108

0
Beds

1
Baths

372
SqFt

(15)

#73507945 | Condo

$514,999

17 Bowdoin St #1B
Boston, MA 02114

0
Beds

1
Baths

412
SqFt

(8)

#73512115 | Condo

$535,000

21 Beacon St #7M
Boston, MA 02108

1
Beds

1
Baths

409
SqFt

(37)

Virtual Tour

#73512294 | Condo

$559,000

74 Mount Vernon St #1F
Boston, MA 02108

0
Beds

1
Baths

311
SqFt

(11)

#73483602 | Condo

$575,000

21 Beacon St #11L
Boston, MA 02108

1
Beds

1
Baths

325
SqFt

(23)

#73501842 | Condo

$635,000 (Price Changed)

70 Revere Street #3
Boston, MA 02114

1
Beds

1
Baths

521
SqFt

(25)

Open House: May 16, 2026, 12:00 PM - 1:30 PM

#73504686 | Condo

$639,000

54 Myrtle #10
Boston, MA 02114

1
Beds

1
Baths

515
SqFt

(9)

#73505408 | Condo

$674,900

21 Bowdoin #2C
Boston, MA 02114

1
Beds

1
Baths

619
SqFt

(16)

#73515350 | Condo

$699,000

22 Irving #3
Boston, MA 02114

2
Beds

1
Baths

619
SqFt

(21)

#73505571 | Condo

$699,900

21 Bowdoin Street #5C
Boston, MA 02114

1
Beds

1
Baths

578
SqFt

(19)

#73514110 | Condo

$699,900

6 Goodwin Pl. #4.
Boston, MA 02114

1
Beds

1
Baths

474
SqFt

(24)

#73480135 | Condo

$719,000

64 W Cedar St #5
Boston, MA 02114

2
Beds

1
Baths

618
SqFt

(13)

#73512001 | Condo

$750,000 (Price Changed)

4 Derne St #1
Boston, MA 02114

3
Beds

1 | 1
Baths

1,145
SqFt

(21)

#73485064 | Condo

$779,900

27 Bowdoin St #1B
Boston, MA 02114

1
Beds

1
Baths

619
SqFt

(19)

Virtual Tour

#73469939 | Condo

$799,000

49 Revere St #4
Boston, MA 02114

1
Beds

1
Baths

733
SqFt

(11)

#73508050 | Condo

$875,000

17 Bowdoin St #5BC
Boston, MA 02114

3
Beds

2
Baths

950
SqFt

(20)

#73500942 | Condo

$985,000

22 River Street #7
Boston, MA 02108

2
Beds

1
Baths

700
SqFt

(10)

#73503553 | Condo

$995,000

97 Mount Vernon St #3
Boston, MA 02108

2
Beds

1
Baths

748
SqFt

(11)

#73511395 | Condo

$999,000

17 Bowdoin Street #4AB
Boston, MA 02114

2
Beds

2
Baths

890
SqFt

(29)

#73508888 | Condo

$1,030,000

13 Bowdoin St #3A&B
Boston, MA 02114

2
Beds

2
Baths

954
SqFt

(11)

#73509279 | Condo

$1,095,000

102 Charles Street #3C
Boston, MA 02114

2
Beds

1
Baths

920
SqFt

(18)

#73498813 | Condo

$1,099,000

5 West Hill Place #D
Boston, MA 02114

1
Beds

1
Baths

872
SqFt

(16)

#73497873 | Condo

$1,099,900

1 Garden St #4
Boston, MA 02114

2
Beds

2
Baths

950
SqFt

(10)

#73484226 | Condo

$1,139,000 (Price Changed)

37 Beacon St #23
Boston, MA 02108

2
Beds

1
Baths

995
SqFt

(13)

Open House: May 17, 2026, 11:30 AM - 12:30 PM

#73481273 | Condo

$1,150,000

17 Bowdoin St #3AB
Boston, MA 02114

2
Beds

2
Baths

875
SqFt

(26)

#73483525 | Condo

$1,295,000

145 Charles Street #4
Boston, MA 02114

2
Beds

2
Baths

1,055
SqFt

(21)

#73498815 | Condo

$1,299,000

25 Revere Street #2
Boston, MA 02114

3
Beds

2
Baths

1,070
SqFt

(26)

#73507886 | Condo

$1,349,000

37 Beacon Street #53
Boston, MA 02108

2
Beds

1
Baths

995
SqFt

(10)

#73507846 | Condo

$1,380,000

25 Phillips St #PH
Boston, MA 02114

2
Beds

1 | 1
Baths

1,210
SqFt

(19)

#73511971 | Condo

$1,399,000

92 Beacon Street #51
Boston, MA 02108

2
Beds

2
Baths

1,019
SqFt

(20)

#73500451 | Condo

$1,469,000

61 Revere Street #3
Boston, MA 02114

2
Beds

2
Baths

922
SqFt

(15)

#73512851 | Condo

$1,599,900

18 Hancock St #4
Boston, MA 02114

2
Beds

2
Baths

1,211
SqFt

(32)

Virtual Tour

#73503123 | Condo

$1,950,000

49 Grove St #Penthouse
Boston, MA 02114

2
Beds

2
Baths

1,327
SqFt

(22)

Open House: May 16, 2026, 12:00 PM - 1:30 PM

#73512628 | Condo

$2,195,000 (Price Changed)

95 Beacon #9
Boston, MA 02108

1
Beds

1 | 1
Baths

1,271
SqFt

(21)

#73502817 | Condo

$2,450,000

70 Mt Vernon #3A
Boston, MA 02108

3
Beds

2
Baths

1,593
SqFt

(12)

#73506224 | Condo

$2,495,000

101 Mt Vernon St #3
Boston, MA 02108

3
Beds

2
Baths

1,414
SqFt

(20)

#73513660 | Condo

$2,499,000

1-3 Winter Place #3
Boston, MA 02108

3
Beds

2 | 1
Baths

3,357
SqFt

(23)

#73393161 | Condo

$2,699,000

27 Chestnut Street #GA
Boston, MA 02108

3
Beds

2
Baths

2,180
SqFt

(21)

#73504892 | Condo

$2,899,000

47 Hancock Street #2
Boston, MA 02114

3
Beds

2 | 1
Baths

1,855
SqFt

(39)

#73501917 | Condo

$3,150,000

142 Chestnut St #8-9
Boston, MA 02108

2
Beds

2 | 1
Baths

1,875
SqFt

(16)

#73487100 | Condo

$3,200,000

45 Temple St #306
Boston, MA 02114

2
Beds

2 | 1
Baths

2,140
SqFt

(13)

#73430285 | Condo

$3,250,000

20 Beacon Street #4
Boston, MA 02108

3
Beds

3
Baths

2,343
SqFt

(38)

#73469758 | Condo

$3,295,000

82 Mount Vernon Street #1
Boston, MA 02108

2
Beds

2 | 1
Baths

1,764
SqFt

(20)

#73501038 | Condo

$3,550,000

45 Temple St #506
Boston, MA 02114

2
Beds

2 | 1
Baths

2,121
SqFt

(26)

#73488921 | Condo

$3,595,000 (Price Changed)

101 Chestnut Street #E
Boston, MA 02108

3
Beds

3
Baths

2,500
SqFt

(24)

#73499714 | Condo

$3,895,000

22 Joy St #22
Boston, MA 02114

4
Beds

3 | 2
Baths

3,788
SqFt

(40)

#73493884 | Condo

$4,150,000

142 Chestnut Street #4-5
Boston, MA 02108

3
Beds

3 | 1
Baths

2,985
SqFt

(20)

#73490273 | Condo

$4,750,000

45 Temple St #312
Boston, MA 02114

3
Beds

2 | 1
Baths

3,128
SqFt

(30)

#73488922 | Condo

$5,495,000

50 Beacon Street #1
Boston, MA 02108

3
Beds

3 | 1
Baths

3,116
SqFt

(30)

#73501093 | Condo

$5,500,000

5 Joy #Res One
Boston, MA 02108

3
Beds

3 | 1
Baths

2,974
SqFt

(38)

Virtual Tour

#73514641 | Condo

$5,750,000

45 Temple Street #512
Boston, MA 02114

3
Beds

2 | 1
Baths

3,153
SqFt

(18)

#73488918 | Condo

$6,495,000

41 Mt Vernon Street #V
Boston, MA 02108

3
Beds

3 | 1
Baths

2,903
SqFt

(23)

Open House: May 12, 2026, 11:30 AM - 12:30 PM

#73487561 | Condo

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MLS PIN data last updated at May 12, 2026, 8:56 AM ET