WhereCanIAfford › Boston, MA › On $450,000

Is Boston, MA affordable on a $450,000 salary?

YES On $450,000/yr, the typical $746,595 home in Boston, MA needs $224,294/yr ($5,234/mo). Your gap: +$225,706 — housing would be 14% 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. On $450,000 you already clear it by $225,706.

On $425,000? On $475,000? On $500,000?

See the full Boston, MA affordability breakdown → or every metro you can afford on $450,000 →