BPN

🏘️

Northborough

45 min to Boston
"Worcester corridor value with solid schools and convenience"
Median Price
$775,000
$410/sqft
School Rating
8.2/10
Great
Appreciation
4.2%
per year
Commute
45 min
to downtown

Financing Considerations

Properties in Northborough 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

MetroWest town with solid schools, modern developments, and convenient highway access to Worcester and Boston

What It's Really Like

Northborough is practical MetroWest—solid schools (8.2/10), modern homes, easy Routes 290/495 access, and families who chose value over prestige.

Best For

  • ✓Worcester/Boston split commuters
  • ✓Value families wanting good schools
  • ✓MetroWest workers
  • ✓Modern home buyers

Avoid If

  • ✗You need quick Boston access
  • ✗You want walkable downtown
  • ✗You prefer coastal living

🌟Highlights

🏫Solid schools (8.2/10)
🚗Routes 290/495 intersection—perfect location
🏗️Modern developments and nice homes
💰Better value than Westborough

Insider Tips

  • 💡Downtown small but walkable
  • 💡Perfect for Worcester/Boston commute split
  • 💡Algonquin Regional is solid high school

Demographics

Population
15,700
Median Age
43
Median Income
$148,000

Economic Profile

Remote Work
21.8%
work from home
Professional Workers
63.2%
knowledge economy
Broadband Access
98.2%
digital infrastructure
Median Commute
30 min
to work
Rental Cost Burden
42.9%
pay >30% on rent
Homeownership
84.8%
owner-occupied
Poverty Rate
2.2%
below poverty line
Unemployment
4.0%
of labor force
Median Home Value
$497K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
5
Churches
5
Historical Context: Oldest establishment dates to 1827• 2 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1975
50 years old
Pre-1940 Construction
3.5%
Lower risk
Post-2000 Construction
24.9%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1975. 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

$387,500$775,000$1,550,000

Leave blank to use town median (1975)

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+
90 units
2010-2019
9.1%
620 units
2000-2009
14.4%
980 units
1990-1999
16.2%
1,100 units
1980-1989
17.6%
1,200 units
1970-1979
18.4%
1,250 units
1960-1969
15.4%
1,050 units
1950-1959
12.5%
850 units
1940-1949
6.2%
420 units
Pre-1940
240 units
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Resources & Research

School Information

Boston Area School Rankings →

Compare 48 high schools by SAT scores, MCAS proficiency & college enrollment

Market Analysis

Rent vs Buy Analysis 2025 →

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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🚇

Brookline

$1,025,000

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🎨

Somerville

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