The typical owner-occupied home in Whitinsville is worth about $449,600, 20% below the Massachusetts median of $562,100 and 35% above the national median of $332,700. Owners pay a median $4,793 a year in property taxes, about 1.07% of their home's value, close to the Massachusetts rate of 1.07%. The median household earns $96,145 a year, so the median home costs 4.7 times the median income (5.4 times for Massachusetts). 59% of occupied homes here are lived in by their owners, and 81% of those owners still have a mortgage.
Whitinsville at a glance
| Whitinsville | Massachusetts | U.S. | |
|---|---|---|---|
| Median home value | $449,600 | $562,100 | $332,700 |
| Median property tax paid per year | $4,793 | $5,992 | $3,119 |
| Property tax as a share of value | 1.07% | 1.07% | 0.94% |
| Median household income | $96,145 | $103,960 | $80,734 |
| Homes lived in by their owners | 59% | 63% | 65% |
| Owner homes with a mortgage | 81% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $2,515 | $2,726 | $1,963 |
| Those costs as a share of the owners' income | 17.6% | 21.9% | 21.0% |
| Median rent | $1,197 | $1,762 | $1,413 |
| Rent as a share of renters' income | 30.0% | 30.9% | 30.6% |
| Median year homes were built | 1962 | 1964 | 1980 |
| Vacant homes | 7.5% | 8.1% | 10.1% |
| Population | 7,115 | 7,044,056 | 334,922,499 |
What a typical home costs per month in Whitinsville
At this week's average 30-year rate of 7.11%, buying the median Whitinsville home of $449,600 with 20% down costs about $3,008 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,757, 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 $128,907 for the 20%-down payment. That payment is 38% of the median Whitinsville household income of $96,145; at that income and 20% down, the 28% guideline points to a home of about $335,000.
The median rent here is $1,197 a month, so owning the median home costs about $1,811 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $89,920 |
|---|---|
| Loan amount | $359,680 |
| Principal and interest | $2,420 |
| Property taxes (1.07% a year) | $401 |
| Homeowners insurance (our estimate, 0.5% a year) | $187 |
| PMI | $0 |
| Total per month | $3,008 |
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| Down payment | $15,736 |
|---|---|
| Loan amount | $441,457 |
| Principal and interest | $2,970 |
| Property taxes (1.07% a year) | $401 |
| Homeowners insurance (our estimate, 0.5% a year) | $187 |
| FHA mortgage insurance | $199 |
| Total per month | $3,757 |
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Questions about home buying in Whitinsville
What is the median home value in Whitinsville?
About $449,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitinsville?
Homeowners pay a median $4,793 a year, which is about 1.07% 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 Whitinsville?
For the median home with 20% down at 7.11%, the payment is about $3,008 a month. Keeping that under 28% of gross income takes about $128,907 a year.
More about Whitinsville
- Mortgage Refinance in Whitinsville
- Debt Relief in Whitinsville
- Home Equity Loans in Whitinsville
- 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