Worcester County, Massachusetts: What It Costs to Buy a Home
The median home in Worcester County is worth $390,700, property taxes on it run about $5,207 a year (1.33%), the FHA loan limit is $545,100, and closing on it means about $1,782 in transfer tax plus $1,602 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $390,700 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $5,207 a year, 1.33% of value | Property tax page → |
| FHA loan limit (1 unit) | $545,100 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $1,782 | Massachusetts transfer tax page → |
| Title insurance on the median home | $1,427 owner's + $175 lender's | Title insurance page → |
| Closing costs from these items | $3,384 | Closing costs page → |
| Area median income (HUD, family of 4) | $113,900; low-income limit $105,350 | Income limits page → |
Frequently asked questions
How much do homes cost in Worcester County?
The median owner-occupied home in Worcester County is valued at $390,700, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Worcester County?
The median Worcester County homeowner pays $5,207 a year in real estate taxes, about 1.33% of the median home value ($5,272 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Worcester County?
$545,100 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Worcester County?
On the $390,700 median home: transfer tax $1,782, title insurance $1,602 for both policies, about $3,384 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Worcester County?
HUD's FY 2026 median family income for Worcester County (Fitchburg-Leominster, MA HUD Metro FMR Area) is $113,900. A family of four counts as low income below $105,350 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Massachusetts counties
- Norfolk County $649,400
- Plymouth County $513,000
- Suffolk County $680,700
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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