🎓

Duxbury

40 min to Boston
"South Shore's best-kept secret with exceptional schools"
Median Price
$1,050,000
$438/sqft
School Rating
9/10
Excellent
Appreciation
17.4%
per year
Commute
40 min
to downtown

Financing Considerations

Properties in Duxbury 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

Very affluent coastal community with excellent schools ranked #20 in Massachusetts. Beautiful beaches including Duxbury Beach, historic charm, upscale family-oriented with strong academic expectations and college prep.

What It's Really Like

Duxbury is the South Shore's academic powerhouse—#20 schools in Massachusetts, beautiful beaches, and 17.4% appreciation. The smart money knows.

Best For

  • Education-focused affluent families
  • Those wanting top schools with coastal access
  • Buyers seeking appreciation and exclusivity
  • Families prioritizing academics

Avoid If

  • You need quick Boston access (40+ min)
  • You're on a budget under $1M
  • You want urban amenities

🌟Highlights

🎓Ranked #20 schools in Massachusetts
📈Impressive 17.4% appreciation rate
🏖️Beautiful Duxbury Beach and coastline
💎Affluent, family-oriented community

Insider Tips

  • 💡Schools have strong college prep focus
  • 💡Duxbury Beach is private and exclusive
  • 💡Academic expectations are high—Tiger Mom territory

Demographics

Population
16,200
Median Age
47
Median Income
$171,000

Economic Profile

Remote Work
20.8%
work from home
Professional Workers
64.1%
knowledge economy
Broadband Access
100.0%
digital infrastructure
Median Commute
43 min
to work
Rental Cost Burden
100.0%
pay >30% on rent
Homeownership
97.7%
owner-occupied
Poverty Rate
8.9%
below poverty line
Unemployment
5.6%
of labor force
Median Home Value
$1228K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
5
Churches
4
Synagogues
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 46/100)
Historical Context: Oldest establishment dates to 16383 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1972
53 years old
Pre-1940 Construction
18.2%
Lower risk
Post-2000 Construction
24.9%
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

$525,000$1,050,000$2,100,000

Leave blank to use town median (1972)

Annual Premium
$2,688
$224/month
vs. State Average
+34%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$80,640

Total insurance cost over 30-year mortgage (equivalent to 0.3% of home value)

Age Penalty

This home costs $1,077 more per year to insure than a newly built home. Over 30 years, that's $32,310 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
9.1%
620 units
2000-2009
14.4%
980 units
1990-1999
16.2%
1,100 units
1980-1989
17.6%
1,200 units
1970-1979
18.4%
1,250 units
1960-1969
15.4%
1,050 units
1950-1959
12.5%
850 units
1940-1949
6.2%
420 units
Pre-1940
18.2%
1,235 units
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