The typical owner-occupied home in Westford is worth about $95,300, 78% below the New York median of $423,800 and 71% below the national median of $332,700. Owners pay a median $2,167 a year in property taxes, about 2.27% of their home's value, higher than the New York rate of 1.55%. The median household earns $51,719 a year, so the median home costs 1.8 times the median income (4.9 times for New York). 81% of occupied homes here are lived in by their owners, and 28% of those owners still have a mortgage.
Westford at a glance
| Westford | New York | U.S. | |
|---|---|---|---|
| Median home value | $95,300 | $423,800 | $332,700 |
| Median property tax paid per year | $2,167 | $6,582 | $3,119 |
| Property tax as a share of value | 2.27% | 1.55% | 0.94% |
| Median household income | $51,719 | $85,974 | $80,734 |
| Homes lived in by their owners | 81% | 54% | 65% |
| Owner homes with a mortgage | 28% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,555 | $1,963 |
| Median rent | $646 | $1,621 | $1,413 |
| Rent as a share of renters' income | 13.1% | 31.2% | 30.6% |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 35.2% | 10.0% | 10.1% |
| Population | 101 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Westford
At this week's average 30-year rate of 7.11%, buying the median Westford home of $95,300 with 20% down costs about $733 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $892, 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 $31,408 for the 20%-down payment. That payment is 17% of the median Westford household income of $51,719; at that income and 20% down, the 28% guideline points to a home of about $157,000.
The median rent here is $646 a month, so owning the median home costs about $87 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $19,060 |
|---|---|
| Loan amount | $76,240 |
| Principal and interest | $513 |
| Property taxes (2.27% a year) | $180 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| PMI | $0 |
| Total per month | $733 |
Change the numbers in the calculator
| Down payment | $3,336 |
|---|---|
| Loan amount | $93,574 |
| Principal and interest | $629 |
| Property taxes (2.27% a year) | $180 |
| Homeowners insurance (our estimate, 0.5% a year) | $40 |
| FHA mortgage insurance | $42 |
| Total per month | $892 |
Change the numbers in the calculator
Questions about home buying in Westford
What is the median home value in Westford?
About $95,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Westford?
Homeowners pay a median $2,167 a year, which is about 2.27% 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 Westford?
For the median home with 20% down at 7.11%, the payment is about $733 a month. Keeping that under 28% of gross income takes about $31,408 a year.
More about Westford
- Mortgage Refinance in Westford
- Debt Relief in Westford
- Home Equity Loans in Westford
- 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