BPN

🔒

Belmont

26 min to Boston
"So safe they call it "Town of Homes" not "Town of Homes with Alarms""
Median Price
$1,369,000
$600/sqft
School Rating
9/10
Excellent
Appreciation
3.7%
per year
Commute
26 min
to downtown

Financing Considerations

Properties in Belmont typically require jumbo financing with stricter underwriting, larger down payments (20–25%+), and higher reserve requirements.

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

✨The Vibe

Quiet, safe, and everyone knows their neighbors

What It's Really Like

Quiet residential town with excellent schools, safe neighborhoods, and strong community bonds

Best For

  • ✓Safety-conscious families
  • ✓School quality
  • ✓Quiet suburban life
  • ✓Community involvement

Avoid If

  • ✗You want excitement
  • ✗You're under 35
  • ✗You like spontaneity

🌟Highlights

🔐Lowest crime rate in metro Boston
🏫Excellent public schools
🚇Red Line access (Waverly)
👨‍👩‍👧‍👦Strong community bonds

Insider Tips

  • 💡Cushing Square area is walkable
  • 💡Property taxes lower than you'd expect
  • 💡Zero nightlife but that's the point

Demographics

Population
26,757
Median Age
41.6
Median Income
$225,652

Economic Profile

Remote Work
24.8%
work from home
Professional Workers
75.7%
knowledge economy
Broadband Access
95.2%
digital infrastructure
Median Commute
30 min
to work
Rental Cost Burden
37.7%
pay >30% on rent
Homeownership
63.5%
owner-occupied
Poverty Rate
3.9%
below poverty line
Unemployment
4.7%
of labor force
Median Home Value
$1061K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
12
Churches
10
Synagogues
1
Mosques
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 52/100)
Historical Context: Oldest establishment dates to 1856• 4 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1952
73 years old
Pre-1940 Construction
14.6%
Lower risk
Post-2000 Construction
17.4%
Modern housing stock
Est. Annual Insurance
$2,505
Based on housing age

Moderate Insurance Risk

Median home built in 1952. Insurance premiums estimated at $2,505/year. Some older homes may require system updates (electrical, plumbing, HVAC).

Insurance Cost Calculator

Estimate your annual homeowners insurance premium

$684,500$1,369,000$2,738,000

Leave blank to use town median (1952)

Annual Premium
$2,505
$209/month
vs. State Average
+25%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$75,150

Total insurance cost over 30-year mortgage (equivalent to 0.2% of home value)

Age Penalty

This home costs $894 more per year to insure than a newly built home. Over 30 years, that's $26,820 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
  • Shop quotes from 5-6 carriers (rates vary significantly)
  • Ask about claims-free discount (5-year history)

* 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+
95 units
2010-2019
6.3%
680 units
2000-2009
10.2%
1,100 units
1990-1999
11.9%
1,280 units
1980-1989
13.4%
1,450 units
1970-1979
14.8%
1,600 units
1960-1969
14.4%
1,550 units
1950-1959
13.1%
1,420 units
1940-1949
9.7%
1,050 units
Pre-1940
14.6%
1,575 units
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Resources & Research

School Information

Boston Area School Rankings →

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Market Analysis

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Break-even math, SALT cap impacts & decision framework for Boston buyers

Insurance & Risk

MA Insurance Crisis Guide →

Why coastal & historic homes face coverage denials (+ FAIR Plan rules)

Home Buying Terms

Real Estate Glossary →

200+ terms explained: ARM, DTI, PMI, escrow, cap rate & more

View All Market Guides & Analysis →

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