BPN

🚆

Kingston

38 min to Boston
"Historic South Shore with direct commuter rail"
Median Price
$525,000
$368/sqft
School Rating
7/10
Good
Appreciation
3%
per year
Commute
38 min
to downtown

Financing Considerations

Properties in Kingston 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

Historic South Shore town near Plymouth with Gray's Beach and Jones River access. Good schools and library, direct commuter rail access, family-friendly with growing population.

What It's Really Like

Kingston delivers historic South Shore charm with commuter rail access—affordable coastal living where you can actually take the train to work.

Best For

  • ✓Rail commuters seeking affordability
  • ✓Families wanting historic character
  • ✓Beach access on a budget
  • ✓Those valuing direct train to Boston

Avoid If

  • ✗You need quick commute (38+ min)
  • ✗You want prestige or luxury
  • ✗You prefer newer developments

🌟Highlights

🚆Direct commuter rail to Boston
🏖️Gray's Beach and Jones River access
📚Good schools and excellent library
💰Affordable at $525K median

Insider Tips

  • 💡Commuter rail makes this a rail commuter's dream
  • 💡Near Plymouth but more affordable
  • 💡Historic character adds unique charm

Demographics

Population
13,900
Median Age
43
Median Income
$116,000

Economic Profile

Remote Work
8.5%
work from home
Professional Workers
42.5%
knowledge economy
Broadband Access
86.0%
digital infrastructure
Median Commute
39 min
to work
Rental Cost Burden
40.2%
pay >30% on rent
Homeownership
85.5%
owner-occupied
Poverty Rate
2.2%
below poverty line
Unemployment
2.3%
of labor force
Median Home Value
$469K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
4
Churches
4
Historical Context: Oldest establishment dates to 1836• 2 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1968
57 years old
Pre-1940 Construction
6.8%
Lower risk
Post-2000 Construction
23.2%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1968. 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

$262,500$525,000$1,050,000

Leave blank to use town median (1968)

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 0.5% 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+
70 units
2010-2019
8.6%
480 units
2000-2009
13.9%
780 units
1990-1999
16.1%
900 units
1980-1989
17.5%
980 units
1970-1979
18.8%
1,050 units
1960-1969
16.1%
900 units
1950-1959
12.1%
680 units
1940-1949
6.8%
380 units
Pre-1940
6.8%
380 units
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Resources & Research

School Information

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Market Analysis

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Insurance & Risk

MA Insurance Crisis Guide →

Why coastal & historic homes face coverage denials (+ FAIR Plan rules)

Home Buying Terms

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View All Market Guides & Analysis →

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