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 7.24% (30-yr fixed), including Massachusetts property tax and insurance. Data through 2026-09.

  1. North Adams — typical home $259K, income to buy about $73,000/yr
  2. Springfield — typical home $302K, income to buy about $86,000/yr
  3. Pittsfield — typical home $308K, income to buy about $87,000/yr
  4. Chicopee — typical home $320K, income to buy about $91,000/yr
  5. Holyoke — typical home $331K, income to buy about $94,000/yr
  6. Greenfield — typical home $333K, income to buy about $94,000/yr
  7. Palmer — typical home $336K, income to buy about $95,000/yr
  8. West Springfield — typical home $362K, income to buy about $103,000/yr
  9. Agawam — typical home $368K, income to buy about $104,000/yr
  10. Gardner — typical home $373K, income to buy about $106,000/yr
  11. Southbridge — typical home $379K, income to buy about $107,000/yr
  12. Westfield — typical home $384K, income to buy about $109,000/yr
  13. Fitchburg — typical home $400K, income to buy about $113,000/yr
  14. Worcester — typical home $433K, income to buy about $123,000/yr
  15. New Bedford — typical home $439K, income to buy about $124,000/yr
  16. Webster — typical home $442K, income to buy about $125,000/yr
  17. Fall River — typical home $448K, income to buy about $127,000/yr
  18. Leominster — typical home $467K, income to buy about $132,000/yr
  19. Lowell — typical home $482K, income to buy about $136,000/yr
  20. Northampton — typical home $494K, income to buy about $140,000/yr
  21. Brockton — typical home $505K, income to buy about $143,000/yr
  22. Lawrence — typical home $510K, income to buy about $144,000/yr
  23. Somerset — typical home $510K, income to buy about $144,000/yr
  24. Taunton — typical home $517K, income to buy about $147,000/yr
  25. Chelsea — typical home $519K, income to buy about $147,000/yr

At the other end, Massachusetts's priciest markets: Nantucket ($903,000/yr), Wellesley ($569,000/yr), Lexington ($439,000/yr), Needham ($436,000/yr), Winchester ($434,000/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.