Ludlow vs Wilbraham

4BR house$130k apart
Ludlow$420k
Wilbraham$550k
Both among the cheapest third of Massachusetts towns
Tax billOn each town’s own median 4BR$2,900/yr apart
Ludlow$6,700
Wilbraham$9,600
Either side of the median for Massachusetts towns
To BostonLevel
Ludlow111 min
Wilbraham110 min
Both among the furthest third of Massachusetts towns
SchoolsMCAS percentile, statewide44 percentile points apart
Ludlow18th pct
Wilbraham62nd pct
Either side of the median for Massachusetts districts

marks the Massachusetts median on each scale. The better of the two is picked out where the gap is big enough to call; where neither is, they are level.

You are paying about $130k more for a 4BR in Wilbraham, and in exchange you get the stronger schools. That is the trade in plain terms: $130k for one tier of schooling.

On tax, look past the rate: Ludlow works out roughly $2,900 a year cheaper on its own median 4BR.

Ludlow

Choose Ludlow if you want the lower price.

All Ludlow numbers →
Wilbraham

Choose Wilbraham if you want the stronger schools of the two, or the commute matters most.

All Wilbraham numbers →

Side by side

Some rows have no better. Town character describes a place rather than ranking it, and per-pupil spending tracks need rather than results, so neither is picked out.

SchoolsWilbraham ahead on 4 of 8
LudlowWilbraham
School tiersolid schoolsT3strong schoolsT2
MCAS achievementState percentile, all grades18th62nd
Student growthHow far the district moves children, not who enrolled44th56th
Graduation rate88.2%95.9%
State accountabilityDESE’s own summaryModerate progress toward targetsModerate progress toward targets
Spending per pupilHigher is not better — it tracks need, not results$21,443$19,398
Schools in the districtElementary and middle buildings the rating averages35
Private schools within 12 miAccredited, the fallback if the district does not fit22
What a home costsLudlow ahead on 6 of 8
LudlowWilbraham
4BR house$420kT1$550kT1
3BR townhouse$325k$425k
2BR condo$240k$315k
3BR homeZillow’s observed median, houses and condos together — measured, not modeled like the rows above$389k$455k
5+ BR homeZillow’s top bedroom bucket — five OR MORE, so it carries the largest houses in the town. Measured, not modeled like the rows above$490k$673k
3BR rent$2,293/mo$2,423/mo
Income needed for the 4BRHousehold income at our standard assumptions$123k$161k
10-year price growthCompound, 2016–20265.7% a year5.8% a year
What you pay the townLudlow ahead on 2 of 4
LudlowWilbraham
Tax ratePer $1,000 of value — not what you pay$16.01T4$17.45T4
Est. tax bill on that 4BRRate times the town’s own median 4BR≈$6,700≈$9,600
Town spending per residentFY2025 general fund, per head$3,909$3,503
Share of budget on schools46%59%
Getting to workLevel across all 3
LudlowWilbraham
Commute to BostonDoor to door at peak111 minT4110 minT4
MBTA railNo MBTA railNo MBTA rail
Miles from downtown73 mi72 mi
Before kindergartenEven, 1 each of 4
LudlowWilbraham
Licensed child care programsBefore kindergarten1713
Child care placesLicensed capacity, not vacancies451529
Centers vs family programsThe rest are programs in a provider’s home4 centers7 centers
Infant places in centersFamily programs report no age split1547
What the place is likeDescribes the two, does not rank them
LudlowWilbraham
Population21,00214,613
Energy5/104/10
Compact center6/104/10
Family amenities3/105/10
Culture5/104/10
Gathering places6/106/10

The tax bill is each town’s own rate on its own median 4BR, so a lower rate does not always mean a lower bill. School tiers are editorial, shown beside the state’s own MCAS figures rather than derived from them.

Prices calibrated to Zillow ZHVI and Redfin · FY2026 residential tax rates · rail leg from the MBTA timetable, drive modeled · rents are HUD FY2027 Small Area FMRs · reviewed · methodology. Never uses demographics as an input.

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