Plymouth

45 min to Boston
"Historic Pilgrim settlement with upscale amenities"
Median Price
$825,000
$433/sqft
School Rating
5/10
Good
Appreciation
2%
per year
Commute
45 min
to downtown

Financing Considerations

Properties in Plymouth 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

Famous as site of first Pilgrim settlement (1620), quintessential New England historic town with Plimoth Patuxet Museums, beautiful beaches, slower pace of life, and rich history about an hour to Boston or Cape.

What It's Really Like

Plymouth is living history—literally where America began. Slower pace, beautiful beaches, and the kind of historic character that attracts tourists and families alike.

Best For

  • History lovers and beach enthusiasts
  • Retirees seeking slower pace
  • Those embracing tourist town character
  • Buyers wanting coastal New England charm

Avoid If

  • You commute to Boston daily (45+ min)
  • You need top schools
  • You avoid tourist destinations

🌟Highlights

🏛️Site of first Pilgrim settlement (1620)
🏖️Beautiful beaches and coastal access
🎭Plimoth Patuxet Museums and history everywhere
Quintessential New England coastal town

Insider Tips

  • 💡Tourist season brings crowds to historic areas
  • 💡Beaches are less crowded than closer-in towns
  • 💡About an hour to Boston or Cape—in-between location

Demographics

Population
60,000
Median Age
42
Median Income
$112,000

Economic Profile

Remote Work
11.7%
work from home
Professional Workers
38.6%
knowledge economy
Broadband Access
89.4%
digital infrastructure
Median Commute
29 min
to work
Rental Cost Burden
47.9%
pay >30% on rent
Homeownership
46.9%
owner-occupied
Poverty Rate
9.3%
below poverty line
Unemployment
6.0%
of labor force
Median Home Value
$388K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
15
Churches
13
Synagogues
2
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 36/100)
Historical Context: Oldest establishment dates to 17386 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1968
57 years old
Pre-1940 Construction
4.3%
Lower risk
Post-2000 Construction
22.6%
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

$412,500$825,000$1,650,000

Leave blank to use town median (1968)

Annual Premium
$2,200
$183/month
vs. State Average
+10%
MA avg: $2,008/year
Risk Category
HIGH
Based on home age

30-Year Mortgage Impact

$66,000

Total insurance cost over 30-year mortgage (equivalent to 0.3% of home value)

Age Penalty

This home costs $589 more per year to insure than a newly built home. Over 30 years, that's $17,670 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)
  • 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+
320 units
2010-2019
8.1%
2,150 units
2000-2009
13.6%
3,600 units
1990-1999
15.8%
4,200 units
1980-1989
17.5%
4,650 units
1970-1979
18.7%
4,950 units
1960-1969
15.8%
4,200 units
1950-1959
12.3%
3,250 units
1940-1949
7.7%
2,050 units
Pre-1940
1,130 units
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