Worcester, MA home prices
Typical home $476,551 · +2.1% in a year · income needed $142,000
The Worcester, MA metro area ranks 86 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.1% in a year and +30.1% over five years. With 20% down at 7.11%, the typical home costs about $3,313 a month including 1.28% property tax (Worcester County rate).
Mortgage on the typical Worcester home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $95,310 | $381,240 | $2,565 | $0 | $748 | $3,313 | $142,000 |
| 10% down | $47,655 | $428,895 | $2,885 | $179 | $748 | $3,812 | $163,400 |
| 5% down | $23,828 | $452,723 | $3,045 | $189 | $748 | $3,982 | $170,700 |
| 3.5% down (FHA) | $16,679 | $467,919 | $3,148 | $211 | $748 | $4,106 | $176,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.28% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Worcester area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Worcester County, MA | $495,048 | +1.9% | 1.28% |
| Windham County, CT | $375,521 | +4.4% | 1.59% |
What can you afford in Massachusetts on your salary? · Massachusetts home prices · Salaries in Massachusetts
Frequently asked questions
How much is a house in Worcester?
The typical home in the Worcester, MA metro area is worth $476,551 (Zillow, September 2026).
What salary do you need to buy a house in Worcester?
About $142,000 a year for the typical home with 20% down at 7.11%.