BPN

🏢

Woburn

24 min to Boston
"Working-class north with I-93 access and honest prices"
Median Price
$719,000
$415/sqft
School Rating
6.5/10
Good
Appreciation
4.8%
per year
Commute
24 min
to downtown

Financing Considerations

Properties in Woburn 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

Blue-collar town turned corporate corridor with authentic neighborhoods and improving prospects

What It's Really Like

Woburn is Winchester's working-class cousin—same I-93 access, quarter the price. Route 128 tech corridor location with real neighborhood character and no pretension.

Best For

  • ✓First-time buyers wanting affordable north
  • ✓Families seeking value near Winchester
  • ✓Tech workers at Burlington companies
  • ✓Those who value authenticity over status

Avoid If

  • ✗You need top schools immediately
  • ✗You want walkable urban living
  • ✗You're seeking prestige addresses

🌟Highlights

🚗Perfect I-93 and Route 128 highway access
💼Near Burlington tech corridor jobs
💰Half the price of Winchester next door
🏢Horn Pond recreation and local character

Insider Tips

  • 💡North Woburn near Winchester border is most desirable
  • 💡Commuter rail station connects to North Station
  • 💡Corporate parks bring jobs but also strip malls

Demographics

Population
40,388
Median Age
40.9
Median Income
$138,662

Economic Profile

Remote Work
13.6%
work from home
Professional Workers
50.1%
knowledge economy
Broadband Access
92.5%
digital infrastructure
Median Commute
26 min
to work
Rental Cost Burden
54.4%
pay >30% on rent
Homeownership
58.8%
owner-occupied
Poverty Rate
6.5%
below poverty line
Unemployment
7.4%
of labor force
Median Home Value
$613K
Census estimate
Data source: Census ACS 2022 5-year

Religious Community

Places of Worship
12
Churches
12
Historical Context: Oldest establishment dates to 1781• 5 established before 1900
Data Source: MassGIS 2025 (Updated 2025-02-03)

Housing Stock Age

Median Year Built
1955
70 years old
Pre-1940 Construction
7.5%
Lower risk
Post-2000 Construction
19.4%
Modern housing stock
Est. Annual Insurance
$2,505
Based on housing age

Moderate Insurance Risk

Median home built in 1955. 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

$359,500$719,000$1,438,000

Leave blank to use town median (1955)

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 0.3% 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+
145 units
2010-2019
6.8%
1,150 units
2000-2009
11.3%
1,900 units
1990-1999
13.4%
2,250 units
1980-1989
15.2%
2,550 units
1970-1979
17.3%
2,900 units
1960-1969
15.8%
2,650 units
1950-1959
14%
2,350 units
1940-1949
9.8%
1,650 units
Pre-1940
7.5%
1,255 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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