Ludlow, Massachusetts Tier 3
Tier 3 · solid schools · about 111 minutes door-to-door to downtown Boston at peak · 74% of households own their home.
$420k
4BR / 2BA house (est.)
$325k
3BR townhouse (est.)
$240k
2BR condo (est.)
$16.01
Tax per $1,000 (FY2026)
111 min
Peak drive to Boston (modeled)
—
No MBTA rail
74%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $2,859/mo | $123k/yr |
| 3BR / 2BA townhouse | $2,252/mo | $97k/yr |
| 2BR condo | $1,709/mo | $73k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Ludlow’s actual FY2026 rate ($16.01/$1,000 = 1.60% 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 | 74% |
| White (non-Hispanic) | 86% |
| Asian (non-Hispanic) | 0.8% |
| Latino / Hispanic | 9.8% |
| African American (non-Hispanic) | 1.7% |
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.
