WhereCanIAfford › Worcester, MA › On $125,000

Is Worcester, MA affordable on a $125,000 salary?

A STRETCH On $125,000/yr, the typical $482,611 home in Worcester, MA needs $142,285/yr ($3,320/mo). Your gap: $-17,285 — housing would be 31.9% of your gross income.

The math

482,611 price − 10% down (48,261) = 434,350 loan
30-yr fixed at 6.47% on 434,350 = 2,737/mo principal+interest
+ 583/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,320/mo PITI ÷ 0.28 = 11,857/mo → 142,285/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear Worcester, MA?

You need about $142,285/yr for the typical home. That's $17,285 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full Worcester, MA affordability breakdown → or every metro you can afford on $125,000 →