Chelmsford, Massachusetts Tier 2
Tier 2 · strong schools · about 57 minutes door-to-door to downtown Boston at peak · 83% of households own their home.
$775k
4BR / 2BA house (est.)
$610k
3BR townhouse (est.)
$450k
2BR condo (est.)
$13.27
Tax per $1,000 (FY2026)
57 min
Peak drive to Boston (modeled)
—
No MBTA rail
83%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $4,951/mo | $212k/yr |
| 3BR / 2BA townhouse | $3,934/mo | $169k/yr |
| 2BR condo | $2,948/mo | $126k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Chelmsford’s actual FY2026 rate ($13.27/$1,000 = 1.33% 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 | 83% |
| White (non-Hispanic) | 80% |
| Asian (non-Hispanic) | 9.1% |
| Latino / Hispanic | 5.5% |
| African American (non-Hispanic) | 1.9% |
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.
