Somerville, Massachusetts Tier 3
Tier 3 · solid schools · about 20 minutes door-to-door to downtown Boston at peak · 34% of households own their home.
$1.25M
4BR / 2BA house (est.)
$925k
3BR townhouse (est.)
$685k
2BR condo (est.)
$8.97
Tax per $1,000 (FY2026)
23 min
Peak drive to Boston (modeled)
🚇 12 min
Rapid transit (T) · ~12 min to downtown
34%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $7,430/mo | $318k/yr |
| 3BR / 2BA townhouse | $5,544/mo | $238k/yr |
| 2BR condo | $4,151/mo | $178k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Somerville’s actual FY2026 rate ($8.97/$1,000 = 0.90% 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 | 34% |
| White (non-Hispanic) | 66% |
| Asian (non-Hispanic) | 12% |
| Latino / Hispanic | 11% |
| African American (non-Hispanic) | 4.5% |
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.
