🦌

Sherborn

40 min to Boston
"Dover's partner in rural luxury—horse farms and top schools"
Median Price
$1,350,000
$495/sqft
School Rating
9.4/10
Excellent
Appreciation
3.5%
per year
Commute
40 min
to downtown

Financing Considerations

Properties in Sherborn typically require jumbo financing with stricter underwriting, larger down payments (20–25%+), and higher reserve requirements.

Learn about loan thresholds, property condition impact, flood/wind insurance, and how vintage homes (common in many MA towns) affect mortgage approval.

The Vibe

Exclusive rural enclave sharing Dover's school system—horse farms, conservation land, and privacy seekers

What It's Really Like

Sherborn shares Dover-Sherborn schools (9.4/10) but costs $1M less—still ultra-private, still horse farms, slightly more accessible to mere mortals.

Best For

  • Luxury buyers wanting privacy ($1.3M+)
  • Equestrian families
  • Top school seekers (9.4/10)
  • Rural luxury lifestyle

Avoid If

  • You need urban amenities
  • You want quick Boston access (40 min)
  • You prefer neighborhood density

🌟Highlights

🏫Dover-Sherborn schools (9.4/10)
🐴Horse farms and rural estates
🌲Conservation land and privacy
💰$1M less than Dover for same schools

Insider Tips

  • 💡Dover-Sherborn High is college prep powerhouse
  • 💡More land per dollar than Dover
  • 💡Farm Hill Road area is most exclusive

Demographics

Population
4,500
Median Age
47
Median Income
$215,000

Economic Profile

Remote Work
30.6%
work from home
Professional Workers
76.0%
knowledge economy
Broadband Access
97.2%
digital infrastructure
Homeownership
92.3%
owner-occupied
Poverty Rate
2.4%
below poverty line
Median Home Value
$899K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
4
Churches
4
Historical Context: Oldest establishment dates to 17621 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1970
55 years old
Pre-1940 Construction
36.8%
⚠️ Higher insurance risk
Post-2000 Construction
23.9%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1970. 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

$675,000$1,350,000$2,700,000

Leave blank to use town median (1970)

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 0.2% 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+
22 units
2010-2019
8.8%
140 units
2000-2009
13.8%
220 units
1990-1999
17.5%
280 units
1980-1989
20%
320 units
1970-1979
21.9%
350 units
1960-1969
18.8%
300 units
1950-1959
14.4%
230 units
1940-1949
9.4%
150 units
Pre-1940
36.8%
588 units
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