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 6.66% (30-yr fixed), including Massachusetts property tax and insurance. Data through 2026-06.

  1. North Adams — typical home $263K, income to buy about $71,000/yr
  2. Springfield — typical home $308K, income to buy about $83,000/yr
  3. Pittsfield — typical home $314K, income to buy about $85,000/yr
  4. Chicopee — typical home $326K, income to buy about $88,000/yr
  5. Holyoke — typical home $338K, income to buy about $91,000/yr
  6. Palmer — typical home $341K, income to buy about $92,000/yr
  7. Greenfield — typical home $344K, income to buy about $93,000/yr
  8. West Springfield — typical home $371K, income to buy about $100,000/yr
  9. Agawam — typical home $378K, income to buy about $102,000/yr
  10. Gardner — typical home $381K, income to buy about $103,000/yr
  11. Southbridge — typical home $388K, income to buy about $105,000/yr
  12. Westfield — typical home $394K, income to buy about $106,000/yr
  13. Fitchburg — typical home $410K, income to buy about $111,000/yr
  14. Worcester — typical home $443K, income to buy about $120,000/yr
  15. New Bedford — typical home $450K, income to buy about $121,000/yr
  16. Webster — typical home $452K, income to buy about $122,000/yr
  17. Fall River — typical home $459K, income to buy about $124,000/yr
  18. Leominster — typical home $478K, income to buy about $129,000/yr
  19. Lowell — typical home $493K, income to buy about $133,000/yr
  20. Northampton — typical home $509K, income to buy about $137,000/yr
  21. Brockton — typical home $516K, income to buy about $139,000/yr
  22. Somerset — typical home $521K, income to buy about $141,000/yr
  23. Lawrence — typical home $522K, income to buy about $141,000/yr
  24. Taunton — typical home $529K, income to buy about $143,000/yr
  25. Chelsea — typical home $532K, income to buy about $144,000/yr

At the other end, Massachusetts's priciest markets: Nantucket ($856,000/yr), Wellesley ($563,000/yr), Lexington ($439,000/yr), Winchester ($432,000/yr), Needham ($429,000/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.