BPN

⛵

Hingham

32 min to Boston
"South Shore's answer to the North Shore's snobbery"
Median Price
$1,211,250
$450/sqft
School Rating
9.1/10
Excellent
Appreciation
3.8%
per year
Commute
32 min
to downtown

Financing Considerations

Properties in Hingham 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

Coastal New England charm with sailing culture and old money

What It's Really Like

Historic South Shore town with colonial charm, sailing culture, and excellent schools near the water

Best For

  • ✓Coastal lifestyle
  • ✓Sailing enthusiasts
  • ✓Family-focused
  • ✓South Shore commuters

Avoid If

  • ✗You work in Cambridge
  • ✗You want quick Boston access
  • ✗You hate boats

🌟Highlights

⛵Hingham Harbor and yacht clubs
🚢Ferry to Boston in summer
🏫Excellent public schools
🏛️Historic downtown with charm

Insider Tips

  • 💡Areas near harbor are most expensive
  • 💡Commute is long but ferry helps in summer
  • 💡Downtown rivals best of Cape Cod

Demographics

Population
33,115
Median Age
46
Median Income
$242,949

Economic Profile

Remote Work
28.3%
work from home
Professional Workers
60.3%
knowledge economy
Broadband Access
95.8%
digital infrastructure
Median Commute
42 min
to work
Rental Cost Burden
55.8%
pay >30% on rent
Homeownership
79.3%
owner-occupied
Poverty Rate
6.9%
below poverty line
Unemployment
4.3%
of labor force
Median Home Value
$1121K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
10
Churches
9
Synagogues
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 30/100)
Historical Context: Oldest establishment dates to 1681• 6 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1962
63 years old
Pre-1940 Construction
15.6%
Lower risk
Post-2000 Construction
21.7%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1962. 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

$605,625$1,211,250$2,422,500

Leave blank to use town median (1962)

Annual Premium
$2,750
$229/month
vs. State Average
+37%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$82,500

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

Age Penalty

This home costs $1,139 more per year to insure than a newly built home. Over 30 years, that's $34,170 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
  • 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+
105 units
2010-2019
7.9%
730 units
2000-2009
13%
1,200 units
1990-1999
15.2%
1,400 units
1980-1989
16.8%
1,550 units
1970-1979
17.9%
1,650 units
1960-1969
15.8%
1,450 units
1950-1959
12%
1,100 units
1940-1949
6.3%
580 units
Pre-1940
15.6%
1,435 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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🏛️

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🎯

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