The typical owner-occupied home in Baldwinville is worth about $328,900, 41% below the Massachusetts median of $562,100 and about the same as the national median of $332,700. Owners pay a median $3,739 a year in property taxes, about 1.14% of their home's value, higher than the Massachusetts rate of 1.07%. The median household earns $51,917 a year, so the median home costs 6.3 times the median income (5.4 times for Massachusetts). 78% of occupied homes here are lived in by their owners, and 77% of those owners still have a mortgage.
Baldwinville at a glance
| Baldwinville | Massachusetts | U.S. | |
|---|---|---|---|
| Median home value | $328,900 | $562,100 | $332,700 |
| Median property tax paid per year | $3,739 | $5,992 | $3,119 |
| Property tax as a share of value | 1.14% | 1.07% | 0.94% |
| Median household income | $51,917 | $103,960 | $80,734 |
| Homes lived in by their owners | 78% | 63% | 65% |
| Owner homes with a mortgage | 77% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,621 | $2,726 | $1,963 |
| Those costs as a share of the owners' income | 31.1% | 21.9% | 21.0% |
| Median rent | $786 | $1,762 | $1,413 |
| Rent as a share of renters' income | 51.0% | 30.9% | 30.6% |
| Median year homes were built | 1938 | 1964 | 1980 |
| Vacant homes | 2.6% | 8.1% | 10.1% |
| Population | 2,528 | 7,044,056 | 334,922,499 |
What a typical home costs per month in Baldwinville
At this week's average 30-year rate of 7.11%, buying the median Baldwinville home of $328,900 with 20% down costs about $2,220 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,767, 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 $95,123 for the 20%-down payment. That payment is 51% of the median Baldwinville household income of $51,917; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $786 a month, so owning the median home costs about $1,434 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $65,780 |
|---|---|
| Loan amount | $263,120 |
| Principal and interest | $1,770 |
| Property taxes (1.14% a year) | $312 |
| Homeowners insurance (our estimate, 0.5% a year) | $137 |
| PMI | $0 |
| Total per month | $2,220 |
Change the numbers in the calculator
| Down payment | $11,512 |
|---|---|
| Loan amount | $322,943 |
| Principal and interest | $2,172 |
| Property taxes (1.14% a year) | $312 |
| Homeowners insurance (our estimate, 0.5% a year) | $137 |
| FHA mortgage insurance | $145 |
| Total per month | $2,767 |
Change the numbers in the calculator
Questions about home buying in Baldwinville
What is the median home value in Baldwinville?
About $328,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Baldwinville?
Homeowners pay a median $3,739 a year, which is about 1.14% 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 Baldwinville?
For the median home with 20% down at 7.11%, the payment is about $2,220 a month. Keeping that under 28% of gross income takes about $95,123 a year.
More about Baldwinville
- Mortgage Refinance in Baldwinville
- Debt Relief in Baldwinville
- Home Equity Loans in Baldwinville
- 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