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 6.76% (30-yr fixed), including Massachusetts property tax and insurance. Data through 2026-07.

  1. North Adams — typical home $264K, income to buy about $72,000/yr
  2. Springfield — typical home $307K, income to buy about $84,000/yr
  3. Pittsfield — typical home $313K, income to buy about $85,000/yr
  4. Chicopee — typical home $326K, income to buy about $89,000/yr
  5. Holyoke — typical home $337K, income to buy about $92,000/yr
  6. Greenfield — typical home $342K, income to buy about $93,000/yr
  7. Palmer — typical home $342K, income to buy about $93,000/yr
  8. West Springfield — typical home $370K, income to buy about $101,000/yr
  9. Agawam — typical home $376K, income to buy about $102,000/yr
  10. Gardner — typical home $380K, income to buy about $103,000/yr
  11. Southbridge — typical home $387K, income to buy about $105,000/yr
  12. Westfield — typical home $392K, income to buy about $107,000/yr
  13. Fitchburg — typical home $410K, income to buy about $112,000/yr
  14. Worcester — typical home $442K, income to buy about $120,000/yr
  15. New Bedford — typical home $447K, income to buy about $122,000/yr
  16. Webster — typical home $449K, income to buy about $122,000/yr
  17. Fall River — typical home $455K, income to buy about $124,000/yr
  18. Leominster — typical home $476K, income to buy about $130,000/yr
  19. Lowell — typical home $493K, income to buy about $134,000/yr
  20. Northampton — typical home $503K, income to buy about $137,000/yr
  21. Brockton — typical home $513K, income to buy about $140,000/yr
  22. Somerset — typical home $518K, income to buy about $141,000/yr
  23. Lawrence — typical home $519K, income to buy about $141,000/yr
  24. Taunton — typical home $526K, income to buy about $143,000/yr
  25. Chelsea — typical home $532K, income to buy about $145,000/yr

At the other end, Massachusetts's priciest markets: Nantucket ($860,000/yr), Wellesley ($559,000/yr), Lexington ($435,000/yr), Winchester ($429,000/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.