🏝️

Hull

50 min to Boston
"Peninsula beach resort with famous Nantasket Beach"
Median Price
$632,000
$420/sqft
School Rating
6/10
Good
Appreciation
-3.6%
per year
Commute
50 min
to downtown

Financing Considerations

Properties in Hull 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

Unique peninsula community on Boston Harbor with no direct land route to city. Famous Nantasket Beach resort destination with stunning waterfront views and densely populated summer community character.

What It's Really Like

Hull is Boston's beach town—literally a peninsula with no direct land connection, famous Nantasket Beach, and the kind of quirky coastal character you can't fake.

Best For

  • Beach lovers seeking unique waterfront lifestyle
  • Summer resort enthusiasts
  • Those who embrace car-free beach living
  • Buyers wanting authentic coastal character

Avoid If

  • You need quick easy Boston access (50 min via ferry/car)
  • You want year-round amenities
  • You prefer quiet suburban streets

🌟Highlights

🏖️Famous Nantasket Beach resort destination
🏝️Unique peninsula location on Boston Harbor
🌊Stunning waterfront views everywhere
⛴️Summer ferry to Boston from waterfront

Insider Tips

  • 💡Summer tourism brings crowds—winter is quiet
  • 💡Nantasket Beach Reservation is gem of South Shore
  • 💡Unique commute via Hingham or ferry limits appeal

Demographics

Population
10,100
Median Age
44
Median Income
$127,000

Economic Profile

Remote Work
15.7%
work from home
Professional Workers
52.6%
knowledge economy
Broadband Access
95.0%
digital infrastructure
Median Commute
35 min
to work
Rental Cost Burden
35.3%
pay >30% on rent
Homeownership
81.4%
owner-occupied
Poverty Rate
3.6%
below poverty line
Unemployment
4.0%
of labor force
Median Home Value
$564K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
3
Churches
1
Synagogues
2
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 58/100)
Historical Context: Oldest establishment dates to 1922
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1952
73 years old
Pre-1940 Construction
15.9%
Lower risk
Post-2000 Construction
20%
Modern housing stock
Est. Annual Insurance
$2,505
Based on housing age

Moderate Insurance Risk

Median home built in 1952. 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

$316,000$632,000$1,264,000

Leave blank to use town median (1952)

Annual Premium
$3,131
$261/month
vs. State Average
+56%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$93,930

Total insurance cost over 30-year mortgage (equivalent to 0.5% of home value)

Age Penalty

This home costs $1,520 more per year to insure than a newly built home. Over 30 years, that's $45,600 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+
60 units
2010-2019
7.2%
420 units
2000-2009
11.7%
680 units
1990-1999
13.8%
800 units
1980-1989
15.2%
880 units
1970-1979
16.4%
950 units
1960-1969
14.7%
850 units
1950-1959
12.4%
720 units
1940-1949
9%
520 units
Pre-1940
15.9%
920 units
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