Chelsea, Massachusetts Tier 4
Tier 4 · mixed schools · about 22 minutes door-to-door to downtown Boston at peak · 29% of households own their home.
$650k
4BR / 2BA house (est.)
$525k
3BR townhouse (est.)
$390k
2BR condo (est.)
$11.48
Tax per $1,000 (FY2026)
24 min
Peak drive to Boston (modeled)
🚆 10 min
Commuter rail · ~10 min to terminal
29%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $4,084/mo | $175k/yr |
| 3BR / 2BA townhouse | $3,332/mo | $143k/yr |
| 2BR condo | $2,520/mo | $108k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Chelsea’s actual FY2026 rate ($11.48/$1,000 = 1.15% 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 | 29% |
| White (non-Hispanic) | 20% |
| Asian (non-Hispanic) | 2.9% |
| Latino / Hispanic | 65% |
| African American (non-Hispanic) | 6.2% |
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.
