💻

Westford

42 min to Boston
"Tech corridor excellence—Route 495 meets apple orchards"
Median Price
$825,000
$425/sqft
School Rating
8.7/10
Great
Appreciation
4.1%
per year
Commute
42 min
to downtown

Financing Considerations

Properties in Westford 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

Tech corridor town with excellent schools, apple orchards, rural character, and Route 495 convenience

What It's Really Like

Westford is where tech workers go for excellent schools (8.7/10) and rural character—apple orchards meet Route 495 tech corridor.

Best For

  • Tech workers on Route 495
  • School-focused families (8.7/10)
  • Rural-suburban blend seekers
  • Apple orchard lovers

Avoid If

  • You need quick Boston access (42 min)
  • You want urban walkability
  • You prefer coastal over rural

🌟Highlights

💻Route 495 tech corridor location
🏫Excellent schools (8.7/10)
🍎Apple orchards and rural character
🚗Easy Route 495 access

Insider Tips

  • 💡Nashoba Valley Tech adds vocational options
  • 💡Westford Academy is well-regarded
  • 💡Apple picking is fall tradition

Demographics

Population
24,600
Median Age
43
Median Income
$158,000

Economic Profile

Remote Work
21.6%
work from home
Professional Workers
69.3%
knowledge economy
Broadband Access
94.6%
digital infrastructure
Homeownership
88.3%
owner-occupied
Poverty Rate
1.7%
below poverty line
Median Home Value
$672K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
5
Churches
4
Synagogues
1
🌟 Multi-faith community with diverse religious traditions(Diversity Score: 46/100)
Historical Context: Oldest establishment dates to 17272 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1985
40 years old
Pre-1940 Construction
10.1%
Lower risk
Post-2000 Construction
35.2%
Modern housing stock
Est. Annual Insurance
$2,200
Based on housing age

Insurance Cost Calculator

Estimate your annual homeowners insurance premium

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

Leave blank to use town median (1985)

Annual Premium
$2,100
$175/month
vs. State Average
+5%
MA avg: $2,008/year
Risk Category
MODERATE
Based on home age

30-Year Mortgage Impact

$63,000

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

Age Penalty

This home costs $489 more per year to insure than a newly built home. Over 30 years, that's $14,670 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)
  • Replace roof with impact-resistant materials (save 5-15%)
  • Upgrade plumbing to PEX or copper

* 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+
180 units
2010-2019
14.7%
1,450 units
2000-2009
18.7%
1,850 units
1990-1999
21.3%
2,100 units
1980-1989
21.8%
2,150 units
1970-1979
18.7%
1,850 units
1960-1969
12.2%
1,200 units
1950-1959
8.6%
850 units
1940-1949
245 units
Pre-1940
10.1%
1,001 units
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