Spencer, Massachusetts Tier 4
Tier 4 · mixed schools · about 86 minutes door-to-door to downtown Boston at peak · 70% of households own their home.
$450k
4BR / 2BA house (est.)
$350k
3BR townhouse (est.)
$260k
2BR condo (est.)
$13.00
Tax per $1,000 (FY2026)
86 min
Peak drive to Boston (modeled)
—
No MBTA rail
70%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $2,938/mo | $126k/yr |
| 3BR / 2BA townhouse | $2,324/mo | $100k/yr |
| 2BR condo | $1,771/mo | $76k/yr |
Preliminary data: Spencer 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 Spencer’s actual FY2026 rate ($13.00/$1,000 = 1.30% 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 | 70% |
| White (non-Hispanic) | 91% |
| Asian (non-Hispanic) | 1.0% |
| Latino / Hispanic | 5.0% |
| 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.
