Billerica, Massachusetts Tier 3
Tier 3 · solid schools · about 47 minutes door-to-door to downtown Boston at peak · 78% of households own their home.
$700k
4BR / 2BA house (est.)
$560k
3BR townhouse (est.)
$415k
2BR condo (est.)
$11.61
Tax per $1,000 (FY2026)
49 min
Peak drive to Boston (modeled)
🚆 35 min
Commuter rail · ~35 min to terminal
78%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $4,392/mo | $188k/yr |
| 3BR / 2BA townhouse | $3,548/mo | $152k/yr |
| 2BR condo | $2,675/mo | $115k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Billerica’s actual FY2026 rate ($11.61/$1,000 = 1.16% of assessed value) + $175 insurance. “Income needed” keeps housing at 28% of gross income. Prices are market estimates, not appraisals.
Community snapshot
| ACS 2019–2023 (via MAPC DataCommon) | Share |
|---|---|
| Homeowner households | 78% |
| White (non-Hispanic) | 77% |
| Asian (non-Hispanic) | 8.5% |
| Latino / Hispanic | 5.3% |
| African American (non-Hispanic) | 4.7% |
These figures are neutral census facts, shown for every town equally. They are never used to filter, rank, or recommend towns — see our methodology and the federal Fair Housing Act.
