BPN

🌲

Holliston

42 min to Boston
"Quiet MetroWest value with good schools and small-town feel"
Median Price
$725,000
$395/sqft
School Rating
8/10
Great
Appreciation
4.2%
per year
Commute
42 min
to downtown

Financing Considerations

Properties in Holliston 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

Quiet MetroWest suburb with good schools, rural character, and family-friendly small-town atmosphere

What It's Really Like

Holliston is MetroWest's quiet achiever—good schools (8.0/10), small-town character, conservation land, and you're not paying Wayland premiums.

Best For

  • ✓Families wanting MetroWest value
  • ✓Small-town atmosphere seekers
  • ✓School quality on a budget
  • ✓Nature and conservation lovers

Avoid If

  • ✗You need quick Boston access
  • ✗You want urban amenities
  • ✗You prefer walkable downtowns

🌟Highlights

🏫Good schools (8.0/10) at value pricing
🌲Conservation land and rural character
🏘️Authentic small-town New England feel
💰MetroWest value play

Insider Tips

  • 💡Lake Winthrop is summer recreation hub
  • 💡Downtown has local charm without pretension
  • 💡Route 495 corridor makes tech commutes easier

Demographics

Population
15,000
Median Age
42
Median Income
$135,000

Economic Profile

Remote Work
23.2%
work from home
Professional Workers
59.5%
knowledge economy
Broadband Access
94.1%
digital infrastructure
Homeownership
87.9%
owner-occupied
Poverty Rate
3.0%
below poverty line
Median Home Value
$588K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
6
Churches
5
Synagogues
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 41/100)
Historical Context: Oldest establishment dates to 1728• 2 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1974
51 years old
Pre-1940 Construction
5.9%
Lower risk
Post-2000 Construction
24.3%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1974. 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

$362,500$725,000$1,450,000

Leave blank to use town median (1974)

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 0.3% 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+
80 units
2010-2019
9%
520 units
2000-2009
14.1%
820 units
1990-1999
16.4%
950 units
1980-1989
18.1%
1,050 units
1970-1979
19%
1,100 units
1960-1969
15.9%
920 units
1950-1959
11.7%
680 units
1940-1949
5.9%
340 units
Pre-1940
5.9%
340 units
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Resources & Research

School Information

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Insurance & Risk

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