WhereCanIAfford › Boston, MA › On $200,000

Is Boston, MA affordable on a $200,000 salary?

A STRETCH On $200,000/yr, the typical $746,595 home in Boston, MA needs $224,294/yr ($5,234/mo). Your gap: $-24,294 — housing would be 31.4% of your gross income.

The math

746,595 price − 10% down (74,660) = 671,935 loan
30-yr fixed at 6.69% on 671,935 = 4,331/mo principal+interest
+ 902/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
5,234/mo PITI ÷ 0.28 = 18,691/mo → 224,294/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Boston, MA?

You need about $224,294/yr for the typical home. That's $24,294 more than $200,000.

On $175,000? On $225,000? On $250,000?

See the full Boston, MA affordability breakdown → or every metro you can afford on $200,000 →