The typical owner-occupied home in Worcester County is worth about $423,700, 25% below the Massachusetts median of $562,100 and 27% above the national median of $332,700. Owners pay a median $5,438 a year in property taxes, about 1.28% of their home's value, higher than the Massachusetts rate of 1.07%. The median household earns $95,939 a year, so the median home costs 4.4 times the median income (5.4 times for Massachusetts). 66% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Worcester County at a glance
| Worcester County | Massachusetts | U.S. | |
|---|---|---|---|
| Median home value | $423,700 | $562,100 | $332,700 |
| Median property tax paid per year | $5,438 | $5,992 | $3,119 |
| Property tax as a share of value | 1.28% | 1.07% | 0.94% |
| Median household income | $95,939 | $103,960 | $80,734 |
| Homes lived in by their owners | 66% | 63% | 65% |
| Owner homes with a mortgage | 68% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $2,387 | $2,726 | $1,963 |
| Those costs as a share of the owners' income | 21.3% | 21.9% | 21.0% |
| Median rent | $1,426 | $1,762 | $1,413 |
| Rent as a share of renters' income | 30.3% | 30.9% | 30.6% |
| Median year homes were built | 1967 | 1964 | 1980 |
| Vacant homes | 5.5% | 8.1% | 10.1% |
| Population | 867,788 | 7,044,056 | 334,922,499 |
What a typical home costs per month in Worcester County
At this week's average 30-year rate of 7.11%, buying the median Worcester County home of $423,700 with 20% down costs about $2,909 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,615, 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 $124,659 for the 20%-down payment. That payment is 36% of the median Worcester County household income of $95,939; at that income and 20% down, the 28% guideline points to a home of about $326,000.
The median rent here is $1,426 a month, so owning the median home costs about $1,483 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $84,740 |
|---|---|
| Loan amount | $338,960 |
| Principal and interest | $2,280 |
| Property taxes (1.28% a year) | $452 |
| Homeowners insurance (our estimate, 0.5% a year) | $177 |
| PMI | $0 |
| Total per month | $2,909 |
Change the numbers in the calculator
| Down payment | $14,830 |
|---|---|
| Loan amount | $416,026 |
| Principal and interest | $2,799 |
| Property taxes (1.28% a year) | $452 |
| Homeowners insurance (our estimate, 0.5% a year) | $177 |
| FHA mortgage insurance | $187 |
| Total per month | $3,615 |
Change the numbers in the calculator
Questions about home buying in Worcester County
What is the median home value in Worcester County?
About $423,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Worcester County?
Homeowners pay a median $5,438 a year, which is about 1.28% 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 Worcester County?
For the median home with 20% down at 7.11%, the payment is about $2,909 a month. Keeping that under 28% of gross income takes about $124,659 a year.
More about Worcester County
- Mortgage Refinance in Worcester County
- Debt Relief in Worcester County
- Home Equity Loans in Worcester County
- 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