BPN

🚂

Ashland

45 min to Boston
"MetroWest commuter rail access with small-town charm"
Median Price
$593,807
$420/sqft
School Rating
7.8/10
Good
Appreciation
3.5%
per year
Commute
45 min
to downtown

Financing Considerations

Properties in Ashland typically typically qualify for conforming loans with more flexible underwriting standards.

Learn about loan thresholds, property condition impact, flood/wind insurance, and how vintage homes (common in many MA towns) affect mortgage approval.

✨The Vibe

MetroWest town with commuter rail access, growing tech presence, and family-friendly neighborhoods

What It's Really Like

Ashland is MetroWest practical—commuter rail access, solid schools (7.8/10), growing tech corridor, and families who value convenience over prestige.

Best For

  • ✓Commuter rail users
  • ✓MetroWest tech workers
  • ✓Families wanting good schools
  • ✓Value buyers

Avoid If

  • ✗You need urban amenities
  • ✗You want luxury shopping
  • ✗You prefer coastal living

🌟Highlights

🚂Commuter rail to South Station (~65 min) or drive (37-45 min)
🏫Solid schools (7.8/10)
💻Growing tech corridor presence
🏡Family-friendly neighborhoods

Insider Tips

  • 💡Downtown area has some nice restaurants and shops
  • 💡Commuter rail parking can fill up early
  • 💡Property values have been rising with tech growth

Demographics

Population
18,718
Median Age
42.1
Median Income
$156,528

Economic Profile

Remote Work
17.7%
work from home
Professional Workers
62.9%
knowledge economy
Broadband Access
94.7%
digital infrastructure
Homeownership
76.7%
owner-occupied
Poverty Rate
4.2%
below poverty line
Median Home Value
$532K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
3
Churches
2
Synagogues
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 58/100)
Historical Context: Oldest establishment dates to 1835• 2 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1975
50 years old
Pre-1940 Construction
14.4%
Lower risk
Post-2000 Construction
23.1%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1975. Insurance premiums estimated at $2,200/year. Some older homes may require system updates (electrical, plumbing, HVAC).

Insurance Cost Calculator

Estimate your annual homeowners insurance premium

$296,904$593,807$1,187,614

Leave blank to use town median (1975)

Annual Premium
$2,150
$179/month
vs. State Average
+7%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$64,500

Total insurance cost over 30-year mortgage (equivalent to 0.4% of home value)

Age Penalty

This home costs $539 more per year to insure than a newly built home. Over 30 years, that's $16,170 in additional insurance costs.

Ways to Lower Your Premium

  • Bundle home + auto insurance with same carrier (10-25% discount)
  • Increase deductible from $500 to $2,500 (save 15-30%)
  • Install monitored security system (5-20% discount)
  • Update electrical panel and remove knob-and-tube wiring
  • Replace roof with impact-resistant materials (save 5-15%)
  • Upgrade plumbing to PEX or copper
  • Complete full home inspection and address major issues
  • Consider MAPFRE or Chubb for historic home coverage

* Estimates based on Massachusetts state averages and typical underwriting criteria. Actual premiums vary by carrier, coverage limits, deductible, claims history, and credit score. For accurate quotes, contact a licensed insurance agent.

Construction Era Distribution

2020+
90 units
2010-2019
8.1%
580 units
2000-2009
13.6%
980 units
1990-1999
15.3%
1,100 units
1980-1989
16.7%
1,200 units
1970-1979
16%
1,150 units
1960-1969
13.9%
1,000 units
1950-1959
10.8%
780 units
1940-1949
280 units
Pre-1940
14.4%
1,040 units
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Resources & Research

School Information

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Insurance & Risk

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Home Buying Terms

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