🎓

Chelmsford

35 min to Boston
"Premium education at value pricing—Newton-caliber schools at 45% discount"
Median Price
$920,000
$280/sqft
School Rating
8.5/10
Great
Appreciation
3.5%
per year
Commute
35 min
to downtown

Financing Considerations

Properties in Chelmsford typically may qualify for high-balance conforming loans, though jumbo financing might be needed depending on exact property price.

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

The Vibe

Efficient high-performing school district delivering Newton-level educational outcomes (97% graduation rate, 80% college matriculation) with per-pupil spending 45% below elite peers—the intelligent buyer's choice for families prioritizing substance over prestige

What It's Really Like

Chelmsford represents a rare arbitrage opportunity: access Newton-caliber education (97% graduation rate exceeds Newton's 96%, 1290 SAT average, 80% college matriculation with 89% to 4-year institutions) while paying $580K less for housing. The trade-off? Larger class sizes (13:1 vs. peer districts), aging facilities (some 95+ years old), less brand cachet, and a longer commute. But for families who value outcomes over inputs, it's a clear-eyed, rational choice. Strong MCAS scores (57% ELA, 51% Math vs. state 42%, 41%), extensive dual enrollment program with Middlesex CC allowing students to complete Associate's degree credits by graduation, and growing diversity (18.8% Asian vs. 7.5% state average) create compelling value at $920K median pricing.

Best For

  • 495 corridor professionals (Burlington/Billerica/Lowell jobs)
  • Value-conscious families prioritizing outcomes over brand names
  • AP/dual enrollment-focused parents (71.5% participation, 82% pass rate)
  • First-generation immigrant families (growing 18.8% Asian population)
  • Remote workers who can skip the Boston commute
  • Families seeking 3-5 acre lots at accessible pricing

Avoid If

  • You need a short commute to downtown Boston (45-60 min)
  • You require smaller class sizes (13:1 ratio higher than peer districts)
  • Brand prestige matters more than outcomes to you
  • You want rapid property appreciation (expect steady 3-4% annually)
  • You need walkable urbanism and transit access (car-dependent town)

🌟Highlights

🎓97% graduation rate (exceeds Newton 96%, Andover 96%)
📚80.2% college matriculation (89.4% to 4-year institutions)
💰$920K median vs. Newton $1.5M+ (39% savings)
📊MCAS 57% ELA / 51% Math (vs. state 42% / 41%)
🚀71.5% AP participation with 82% pass rate (612 exams)
🏫Extensive dual enrollment with Middlesex CC
🌍Growing Asian population (18.8% vs. 7.5% state average)
🛡️B+ safety grade (11 crimes per 1,000 residents)
💵$16,909 per-pupil spending (45% below Newton $24,393)
📈Steady 3-4% annual appreciation (defensive investment)

Insider Tips

  • 💡Student-teacher ratio is 13:1—better than national average but higher than all peer districts (consequence of financial efficiency)
  • 💡Route 495 location is ideal for Burlington/Billerica/Lowell workers but brutal for downtown Boston commuters
  • 💡Some school buildings are 95+ years old—major facilities investment likely needed in next decade (potential tax impact)
  • 💡Growing economic disadvantage (14.7% vs. 8.2% in 2014) may pressure future outcomes—monitor DESE data
  • 💡Price tiers: Entry $600K-$750K, Core Family $750K-$1.1M (sweet spot), Premium $1.1M-$1.5M, Luxury $1.5M+
  • 💡Town exceeds required Net School Spending by 33.6%—demonstrates robust local commitment despite lower per-pupil spending
  • 💡Average teacher salaries $83,495 (lower than 8 of 10 peer communities)—talented staff despite financial constraints
  • 💡Dual enrollment program is a hidden gem—highly motivated students can graduate with 30-60 college credits completed
  • 💡Innovation Pathways in Business, IT, Manufacturing, Life Sciences offer direct career prep with industry credentials
  • 💡Southeast Chelmsford reported as safest submarket—verify school assignments and crime maps for specific addresses

Demographics

Population
35,000+
Median Age
42-45
Median Income
$145,000-$155,000

Economic Profile

Remote Work
19.0%
work from home
Professional Workers
62.0%
knowledge economy
Broadband Access
95.1%
digital infrastructure
Homeownership
82.7%
owner-occupied
Poverty Rate
4.7%
below poverty line
Median Home Value
$508K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
13
Churches
11
Synagogues
1
Mosques
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 49/100)
Historical Context: Oldest establishment dates to 17716 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1972
53 years old
Pre-1940 Construction
8.2%
Lower risk
Post-2000 Construction
23%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1972. 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

$460,000$920,000$1,840,000

Leave blank to use town median (1972)

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 0.2% 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+
185 units
2010-2019
8.3%
1,180 units
2000-2009
13%
1,850 units
1990-1999
14.8%
2,100 units
1980-1989
16.5%
2,350 units
1970-1979
17.6%
2,500 units
1960-1969
14.1%
2,000 units
1950-1959
10.2%
1,450 units
1940-1949
420 units
Pre-1940
8.2%
1,165 units
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