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Stoughton

35 min to Boston

"South Shore commuter town—affordable family living with reliable train access"

Median Price

$600,000

$240/sqft

School Rating

6.8/10

Good

Appreciation

2.8%

per year

Commute

35 min

to downtown

Financing Considerations

Properties in Stoughton 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

South Shore commuter rail town offering affordable family living with reliable MBTA access—working-class community with strong local identity and improving infrastructure

What It's Really Like

Stoughton offers South Shore commuter rail reliability at $600K median pricing—one of the most affordable South Shore towns with MBTA access. Town has strong local identity, improving schools, and family-friendly character. Trade-offs include lower school ratings, car dependency, and limited prestige. But for families who prioritize affordability, reliable transit access, and community character over brand names, it offers compelling South Shore value.

Best For

✓Commuters who need reliable South Station access (MBTA)
✓First-time buyers seeking South Shore value
✓Families prioritizing affordability over prestige
✓Buyers who want larger lots at accessible pricing
✓People seeking small-town community feel

Avoid If

✗You need elite schools (6.8/10 is improving but below average)
✗You prioritize rapid appreciation (steady 2-3% annually)
✗You want walkable downtown (car-dependent suburb)
✗You need brand-name prestige (value-focused town)

🌟Highlights

💰$600K median—most affordable South Shore commuter town

🚂Reliable MBTA commuter rail access (40 min to South Station)

📚6.8/10 school rating (improving, investing in facilities)

👨‍👩‍👧‍👦Strong family community with local events

🏠Mix of historic and newer housing stock

📈Steady 2-3% annual appreciation

🌲Good recreational facilities (parks, trails)

🏛️Historic downtown with local businesses

Insider Tips

💡Commuter rail access is excellent (Stoughton station, reliable service)
💡School system is improving—check recent MCAS trends and facility investments
💡East Stoughton (near Sharon line) has newer homes
💡West Stoughton is more rural with larger lots
💡Town is investing in infrastructure improvements
💡Property tax rate is moderate ($11-12 per $1K)
💡Limited walkability—plan for car-dependent lifestyle
💡Nearby Canton has better schools but higher prices
💡Growing diversity (particularly Brazilian and Portuguese communities)
💡Check for railroad noise if buying near commuter rail tracks

Demographics

Population

29,300

Median Age

Median Income

$90,000-$100,000

Economic Profile

Remote Work

11.0%

work from home

Professional Workers

48.1%

knowledge economy

Broadband Access

92.3%

digital infrastructure

Homeownership

76.2%

owner-occupied

Poverty Rate

7.0%

below poverty line

Median Home Value

$449K

Census estimate

Data source: Census ACS 2022 5-year

Religious Community

Places of Worship

Churches

Synagogues

🌟 Multi-faith community with diverse religious traditions(Diversity Score: 60/100)

Historical Context: Oldest establishment dates to 1822• 2 established before 1900

Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built

1958

67 years old

Pre-1940 Construction

4.7%

Lower risk

Post-2000 Construction

20.5%

Modern housing stock

Est. Annual Insurance

$2,505

Based on housing age

Moderate Insurance Risk

Median home built in 1958. Insurance premiums estimated at $2,505/year. Some older homes may require system updates (electrical, plumbing, HVAC).

Insurance Cost Calculator

Estimate your annual homeowners insurance premium

Home Value

$300,000$600,000$1,200,000

Year Built (Optional)

Leave blank to use town median (1958)

Annual Premium

$2,505

$209/month

vs. State Average

+25%

MA avg: $2,008/year

Risk Category

HIGH

Based on home age

30-Year Mortgage Impact

$75,150

Total insurance cost over 30-year mortgage (equivalent to 0.4% of home value)

Age Penalty

This home costs $894 more per year to insure than a newly built home. Over 30 years, that's $26,820 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+

105 units

2010-2019

7.4%

850 units

2000-2009

12.2%

1,400 units

1990-1999

14.3%

1,650 units

1980-1989

16.1%

1,850 units

1970-1979

18.3%

2,100 units

1960-1969

17.4%

2,000 units

1950-1959

15.2%

1,750 units

1940-1949

10.9%

1,250 units

Pre-1940

545 units

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Resources & Research

School Information

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