The most affordable cities to buy a house in Massachusetts (2026)

Every Massachusetts city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.03% (30-yr fixed), including Massachusetts property tax and insurance. Data through 2026-08.

  1. North Adams — typical home $263K, income to buy about $73,000/yr
  2. Springfield — typical home $305K, income to buy about $85,000/yr
  3. Pittsfield — typical home $309K, income to buy about $86,000/yr
  4. Chicopee — typical home $322K, income to buy about $90,000/yr
  5. Holyoke — typical home $334K, income to buy about $93,000/yr
  6. Palmer — typical home $338K, income to buy about $94,000/yr
  7. Greenfield — typical home $339K, income to buy about $94,000/yr
  8. West Springfield — typical home $368K, income to buy about $103,000/yr
  9. Agawam — typical home $373K, income to buy about $104,000/yr
  10. Gardner — typical home $374K, income to buy about $104,000/yr
  11. Southbridge — typical home $380K, income to buy about $106,000/yr
  12. Westfield — typical home $389K, income to buy about $108,000/yr
  13. Fitchburg — typical home $403K, income to buy about $112,000/yr
  14. Worcester — typical home $436K, income to buy about $121,000/yr
  15. New Bedford — typical home $443K, income to buy about $123,000/yr
  16. Webster — typical home $444K, income to buy about $124,000/yr
  17. Fall River — typical home $450K, income to buy about $125,000/yr
  18. Leominster — typical home $472K, income to buy about $131,000/yr
  19. Lowell — typical home $486K, income to buy about $135,000/yr
  20. Northampton — typical home $501K, income to buy about $140,000/yr
  21. Brockton — typical home $509K, income to buy about $142,000/yr
  22. Somerset — typical home $513K, income to buy about $143,000/yr
  23. Lawrence — typical home $514K, income to buy about $143,000/yr
  24. Taunton — typical home $522K, income to buy about $145,000/yr
  25. Chelsea — typical home $525K, income to buy about $146,000/yr

At the other end, Massachusetts's priciest markets: Nantucket ($883,000/yr), Wellesley ($563,000/yr), Lexington ($438,000/yr), Needham ($434,000/yr), Winchester ($431,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.