The typical owner-occupied home in Westford is worth about $375,000, 18% above the Vermont median of $316,600 and 13% above the national median of $332,700. Owners pay a median $5,988 a year in property taxes, about 1.60% of their home's value, close to the Vermont rate of 1.59%. The median household earns $177,717 a year, so the median home costs 2.1 times the median income (3.9 times for Vermont). 100% of occupied homes here are lived in by their owners, and 90% of those owners still have a mortgage.
Westford at a glance
| Westford | Vermont | U.S. | |
|---|---|---|---|
| Median home value | $375,000 | $316,600 | $332,700 |
| Median property tax paid per year | $5,988 | $5,039 | $3,119 |
| Property tax as a share of value | 1.60% | 1.59% | 0.94% |
| Median household income | $177,717 | $81,203 | $80,734 |
| Homes lived in by their owners | 100% | 73% | 65% |
| Owner homes with a mortgage | 90% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $2,048 | $1,907 | $1,963 |
| Those costs as a share of the owners' income | 17.8% | 21.7% | 21.0% |
| Median rent | – | $1,234 | $1,413 |
| Median year homes were built | 1938 | 1976 | 1980 |
| Vacant homes | 13.3% | 19.4% | 10.1% |
| Population | 153 | 647,106 | 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 $375,000 with 20% down costs about $2,674 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,299, 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 $114,616 for the 20%-down payment. That payment is 18% of the median Westford household income of $177,717; at that income and 20% down, the 28% guideline points to a home of about $581,000.
| Down payment | $75,000 |
|---|---|
| Loan amount | $300,000 |
| Principal and interest | $2,018 |
| Property taxes (1.60% a year) | $500 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| PMI | $0 |
| Total per month | $2,674 |
Change the numbers in the calculator
| Down payment | $13,125 |
|---|---|
| Loan amount | $368,208 |
| Principal and interest | $2,477 |
| Property taxes (1.60% a year) | $500 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| FHA mortgage insurance | $166 |
| Total per month | $3,299 |
Change the numbers in the calculator
Questions about home buying in Westford
What is the median home value in Westford?
About $375,000 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 $5,988 a year, which is about 1.60% 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 $2,674 a month. Keeping that under 28% of gross income takes about $114,616 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