Groveland
"Merrimack River town where $825K still buys space"
Editorial median as of November 20, 2025. 13 closed single-family sales in 2026, through September 22, 2026.
Home Values in Groveland, MA
The median home price in Groveland, MA is $825,000, with homes trading at $332/sqft. Home values in Groveland have appreciated at roughly 3.8% per year, reflecting steady demand and limited inventory typical of Greater Boston suburbs.
Census estimated median home value: $484K (ACS 2022 5-year). Current market prices typically run higher due to post-2022 appreciation.
Financing Considerations
Properties in Groveland 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
Quiet riverside town north of Boston with good (not elite) schools, genuine New England character, and actual land—if you can handle the commute
What It's Really Like
Groveland offers what's increasingly rare in Greater Boston: genuine affordability for space. $825K gets you a 3,700sf house on actual land, not a cramped lot. Pentucket Regional Schools are solid (7.8/10), community is tight-knit, and you're along the Merrimack River. The cost? 55+ minute commute and limited local amenities. But if your priority is "biggest house, most land, still decent schools," this works.
Best For
- ✓Families who want space, land, and strong community
- ✓North Shore commuters who can handle 55+ min to Boston
- ✓People prioritizing home size and lot size over location
- ✓Those seeking rural character with solid schools
Avoid If
- ✗You need short commutes (55+ min is real)
- ✗You prioritize walkability or nightlife
- ✗You need elite schools (7.8/10 is good but not exceptional)
- ✗You want ethnic/cultural diversity
Highlights
Insider Tips
- Commute is 55+ min (drive to Haverhill station + commuter rail)
- MVRTA bus service exists but is limited—plan to drive
- Pentucket Regional serves Groveland, West Newbury, and Merrimac
- Check school bus routes—some areas have long rides
- Pines Recreation Area is the town's social hub
- Property taxes ~$14-15 per $1K (moderate for North Shore)
- Town is 95% white—limited diversity
- Veasey Memorial Park offers Merrimack River views
- Groveland Day (annual event) is big deal for community bonding
- Nearest shopping/dining is Haverhill or Georgetown
Demographics
Source: Census ACS 2022 5-year estimates
Economic Profile
Religious Community
Housing Stock Age
Insurance Cost Calculator
Estimate your annual homeowners insurance premium
Leave blank to use town median (1983)
30-Year Mortgage Impact
Total insurance cost over 30-year mortgage (equivalent to 0.3% of home value)
Age Penalty
This home costs $489 more per year to insure than a newly built home. Over 30 years, that's $14,670 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)
- Replace roof with impact-resistant materials (save 5-15%)
- Upgrade plumbing to PEX or copper
* 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
Resources & Research
School Information
Compare 48 high schools by SAT scores, MCAS proficiency & college enrollment
Market Analysis
Recent sales data, price drivers, and market trends for Groveland
Vote on what live Groveland listings will actually close for — shareable price checkpoints
Break-even math, SALT cap impacts & decision framework for Boston buyers
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