Home Values in Quincy, MA
The average home price in Quincy, MA is approximately $656,250 (median), with homes trading at $452/sqft. Home values in Quincy have appreciated at roughly 3.7% per year, reflecting steady demand and limited inventory typical of Greater Boston suburbs.
Census estimated median home value: $563K (ACS 2022 5-year). Current market prices typically run higher due to post-2022 appreciation.
✨The Vibe
Urban-suburban mashup where historic New England meets thriving Asian-American culture and affordable access to Boston
What It's Really Like
Most diverse South Shore town with 29% Asian population—the food scene alone is worth it. Marina Bay is booming, and you're on the Red Line without Cambridge prices.
Best For
- ✓First-time buyers wanting Red Line access under $700K
- ✓Asian-American families seeking cultural community
- ✓Foodies who worship at the altar of authentic dim sum
- ✓Commuters who hate driving and love the T
Avoid If
- ✗You want quiet suburbs with white picket fences
- ✗Top schools are your #1 priority
- ✗You prefer homogeneous communities
🌟Highlights
Insider Tips
- 💡Marina Bay and Squantum are the hot neighborhoods right now
- 💡Quincy Center is gentrifying fast—get in before it's too expensive
- 💡Best Chinese food outside of Boston Chinatown, hands down
Demographics
Source: Census ACS 2023 5-year estimates
Economic Profile
Religious Community
Housing Stock Age
High Insurance Risk
Quincy has a high concentration of pre-1940 homes (3.2%). Insurance premiums may be significantly higher ($2,800-$4,000+/year) and some carriers may decline coverage. Budget for potential remediation costs (knob-and-tube wiring, asbestos, lead paint).
Insurance Cost Calculator
Estimate your annual homeowners insurance premium
Leave blank to use town median (1942)
30-Year Mortgage Impact
Total insurance cost over 30-year mortgage (equivalent to 0.4% of home value)
Age Penalty
This home costs $1,049 more per year to insure than a newly built home. Over 30 years, that's $31,470 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
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Market Analysis
Break-even math, SALT cap impacts & decision framework for Boston buyers