BPN

🚂

Framingham

28 min to Boston
"MetroWest hub where malls meet commuter rail convenience"
Median Price
$639,138
$425/sqft
School Rating
6.8/10
Good
Appreciation
4.3%
per year
Commute
28 min
to downtown

Financing Considerations

Properties in Framingham 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

Practical MetroWest center with shopping, dining, and solid value for families

What It's Really Like

Massachusetts' largest town by population (70K) is the MetroWest engine—commuter rail hub, massive retail corridor, and huge Brazilian community. It's not fancy, but it works.

Best For

  • ✓MetroWest workers avoiding Route 9 traffic
  • ✓Families wanting space and value
  • ✓Brazilian culture enthusiasts
  • ✓Practical suburbanites who love Target runs

Avoid If

  • ✗You need top schools or prestige
  • ✗You hate strip malls and traffic
  • ✗You want walkability over car dependence

🌟Highlights

🚂Three commuter rail stops on Worcester line
🛍️Shoppers World and Natick Mall proximity
🇧🇷Largest Brazilian community in Massachusetts
💰Best space-per-dollar ratio in MetroWest

Insider Tips

  • 💡Nobscot and Saxonville are the best neighborhoods
  • 💡Route 9 traffic is legendary bad—plan commutes carefully
  • 💡Amazing Brazilian restaurants and markets everywhere

Demographics

Population
71,360
Median Age
39.1
Median Income
$138,466

Economic Profile

Remote Work
15.3%
work from home
Professional Workers
47.4%
knowledge economy
Broadband Access
94.0%
digital infrastructure
Median Commute
30 min
to work
Rental Cost Burden
49.6%
pay >30% on rent
Homeownership
55.1%
owner-occupied
Poverty Rate
10.4%
below poverty line
Unemployment
5.0%
of labor force
Median Home Value
$553K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
20
Churches
15
Synagogues
4
Mosques
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 63/100)
Historical Context: Oldest establishment dates to 1701• 9 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1955
70 years old
Pre-1940 Construction
7.6%
Lower risk
Post-2000 Construction
19.3%
Modern housing stock
Est. Annual Insurance
$2,505
Based on housing age

Moderate Insurance Risk

Median home built in 1955. 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

$319,569$639,138$1,278,276

Leave blank to use town median (1955)

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 0.4% 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+
280 units
2010-2019
6.9%
2,050 units
2000-2009
11.4%
3,400 units
1990-1999
13.3%
3,950 units
1980-1989
14.6%
4,350 units
1970-1979
16.3%
4,850 units
1960-1969
14.9%
4,450 units
1950-1959
12.9%
3,850 units
1940-1949
7.9%
2,350 units
Pre-1940
7.6%
2,270 units
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Resources & Research

School Information

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Insurance & Risk

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