Manchester-by-the-Sea, Massachusetts Tier 2
Tier 2 · strong schools · about 58 minutes door-to-door to downtown Boston at peak · 82% of households own their home.
$1.5M
4BR / 2BA house (est.)
$1.05M
3BR townhouse (est.)
$775k
2BR condo (est.)
$9.50
Tax per $1,000 (FY2026)
58 min
Peak drive to Boston (modeled)
🚆 55 min
Commuter rail · ~55 min to terminal
82%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $8,947/mo | $383k/yr |
| 3BR / 2BA townhouse | $6,316/mo | $271k/yr |
| 2BR condo | $4,707/mo | $202k/yr |
Preliminary data: Manchester-by-the-Sea is part of our newest batch of towns — its tax rate, prices, and demographics are estimates pending verification against municipal and census sources.
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Manchester-by-the-Sea’s actual FY2026 rate ($9.50/$1,000 = 0.95% 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 | 82% |
| White (non-Hispanic) | 94% |
| Asian (non-Hispanic) | 1.0% |
| Latino / Hispanic | 2.0% |
| African American (non-Hispanic) | 1.0% |
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.
