The typical owner-occupied home in Acton is worth about $733,400, about the same as the California median of $734,700 and 2.2 times the national median of $332,700. Owners pay a median $5,674 a year in property taxes, about 0.77% of their home's value, higher than the California rate of 0.70%. The median household earns $113,000 a year, so the median home costs 6.5 times the median income (7.4 times for California). 92% of occupied homes here are lived in by their owners, and 74% of those owners still have a mortgage.
Acton at a glance
| Acton | California | U.S. | |
|---|---|---|---|
| Median home value | $733,400 | $734,700 | $332,700 |
| Median property tax paid per year | $5,674 | $5,124 | $3,119 |
| Property tax as a share of value | 0.77% | 0.70% | 0.94% |
| Median household income | $113,000 | $99,122 | $80,734 |
| Homes lived in by their owners | 92% | 56% | 65% |
| Owner homes with a mortgage | 74% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,308 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 29.7% | 24.8% | 21.0% |
| Median rent | $3,056 | $2,036 | $1,413 |
| Rent as a share of renters' income | 41.4% | 32.8% | 30.6% |
| Median year homes were built | 1986 | 1976 | 1980 |
| Vacant homes | 5.3% | 7.5% | 10.1% |
| Population | 7,880 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Acton
At this week's average 30-year rate of 7.11%, buying the median Acton home of $733,400 with 20% down costs about $4,723 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,945, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $202,418 for the 20%-down payment. That payment is 50% of the median Acton household income of $113,000; at that income and 20% down, the 28% guideline points to a home of about $409,000.
The median rent here is $3,056 a month, so owning the median home costs about $1,667 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $146,680 |
|---|---|
| Loan amount | $586,720 |
| Principal and interest | $3,947 |
| Property taxes (0.77% a year) | $471 |
| Homeowners insurance (our estimate, 0.5% a year) | $306 |
| PMI | $0 |
| Total per month | $4,723 |
Change the numbers in the calculator
| Down payment | $25,669 |
|---|---|
| Loan amount | $720,116 |
| Principal and interest | $4,844 |
| Property taxes (0.77% a year) | $471 |
| Homeowners insurance (our estimate, 0.5% a year) | $306 |
| FHA mortgage insurance | $324 |
| Total per month | $5,945 |
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Questions about home buying in Acton
What is the median home value in Acton?
About $733,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Acton?
Homeowners pay a median $5,674 a year, which is about 0.77% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Acton?
For the median home with 20% down at 7.11%, the payment is about $4,723 a month. Keeping that under 28% of gross income takes about $202,418 a year.
More about Acton
- Mortgage Refinance in Acton
- Debt Relief in Acton
- Home Equity Loans in Acton
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data