BPN

🚆

Westborough

45 min to Boston
"MetroWest hub with commuter rail and central location"
Median Price
$725,000
$405/sqft
School Rating
8.1/10
Great
Appreciation
4.3%
per year
Commute
45 min
to downtown

Financing Considerations

Properties in Westborough 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

Central MetroWest hub with commuter rail, Route 495 access, modern development, and practical family living

What It's Really Like

Westborough is MetroWest's central hub—commuter rail, Route 495, solid schools (8.1/10), and practical families who value location and value.

Best For

  • ✓MetroWest/Worcester commuters
  • ✓Commuter rail users
  • ✓Value families wanting space
  • ✓Route 495 corridor professionals

Avoid If

  • ✗You need quick Boston access (45 min)
  • ✗You want historic character
  • ✗You prefer exclusive suburbs

🌟Highlights

🚆Commuter rail to Boston/Worcester
🚗Routes 495/90 intersection—perfect location
🏫Good schools (8.1/10)
💰Affordable MetroWest at $725K

Insider Tips

  • 💡Downtown walkable with local restaurants
  • 💡Perfect for Worcester/Boston split commutes
  • 💡Corporate parks bring local employment

Demographics

Population
20,100
Median Age
42
Median Income
$142,000

Economic Profile

Remote Work
20.5%
work from home
Professional Workers
56.9%
knowledge economy
Broadband Access
92.0%
digital infrastructure
Median Commute
27 min
to work
Rental Cost Burden
26.1%
pay >30% on rent
Homeownership
50.1%
owner-occupied
Poverty Rate
6.9%
below poverty line
Unemployment
2.3%
of labor force
Median Home Value
$498K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
8
Churches
6
Synagogues
2
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 51/100)
Historical Context: Oldest establishment dates to 1724• 4 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1972
53 years old
Pre-1940 Construction
11.9%
Lower risk
Post-2000 Construction
23.5%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Moderate Insurance Risk

Median home built in 1972. 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

$362,500$725,000$1,450,000

Leave blank to use town median (1972)

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+
105 units
2010-2019
8.8%
720 units
2000-2009
13.4%
1,100 units
1990-1999
15.9%
1,300 units
1980-1989
17.7%
1,450 units
1970-1979
18.9%
1,550 units
1960-1969
15.9%
1,300 units
1950-1959
12.8%
1,050 units
1940-1949
7.9%
650 units
Pre-1940
11.9%
975 units
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Resources & Research

School Information

Boston Area School Rankings →

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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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🚇

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🎨

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