BPN

🏃

Hopkinton

45 min to Boston
"Boston Marathon starts here—runners, schools, and sports culture"
Median Price
$925,000
$430/sqft
School Rating
8.9/10
Great
Appreciation
4.1%
per year
Commute
45 min
to downtown

Financing Considerations

Properties in Hopkinton 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

Home of Boston Marathon start with excellent schools, modern developments, and strong youth sports culture

What It's Really Like

Hopkinton owns the Boston Marathon start line—runner culture is real, schools are excellent (8.9/10), and youth sports dominate. Modern suburbia done right.

Best For

  • ✓Marathon enthusiasts and runners
  • ✓School-focused families (8.9/10)
  • ✓Sports-oriented families
  • ✓MetroWest professionals

Avoid If

  • ✗You need quick Boston access (45 min)
  • ✗You want historic character over modern
  • ✗You avoid sports-focused communities

🌟Highlights

🏃Boston Marathon starts here—runner culture
🏫Excellent schools (8.9/10)
⚽Youth sports programs everywhere
🏗️Modern developments and nice homes

Insider Tips

  • 💡Marathon Monday is the town's Super Bowl
  • 💡Hopkinton State Park for recreation
  • 💡Route 495 location perfect for Worcester/Boston split

Demographics

Population
18,800
Median Age
43
Median Income
$162,000

Economic Profile

Remote Work
15.0%
work from home
Professional Workers
54.3%
knowledge economy
Broadband Access
64.8%
digital infrastructure
Median Commute
36 min
to work
Rental Cost Burden
64.3%
pay >30% on rent
Homeownership
77.9%
owner-occupied
Poverty Rate
3.2%
below poverty line
Unemployment
4.1%
of labor force
Median Home Value
$603K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
3
Churches
2
Mosques
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 58/100)
Historical Context: Oldest establishment dates to 1735• 2 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1988
37 years old
Pre-1940 Construction
10.3%
Lower risk
Post-2000 Construction
42.1%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Insurance Cost Calculator

Estimate your annual homeowners insurance premium

$462,500$925,000$1,850,000

Leave blank to use town median (1988)

Annual Premium
$2,100
$175/month
vs. State Average
+5%
MA avg: $2,008/year
Risk Category
MODERATE
Based on home age

30-Year Mortgage Impact

$63,000

Total insurance cost over 30-year mortgage (equivalent to 0.2% 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

2020+
120 units
2010-2019
14%
850 units
2000-2009
25.5%
1,550 units
1990-1999
25%
1,520 units
1980-1989
22.2%
1,350 units
1970-1979
15.6%
950 units
1960-1969
9.5%
580 units
1950-1959
5.8%
350 units
1940-1949
187 units
Pre-1940
10.3%
624 units
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Resources & Research

School Information

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Market Analysis

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Insurance & Risk

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Home Buying Terms

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View All Market Guides & Analysis →

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