WhereCanIAfford › Worcester, MA › On $125,000

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

NO On $125,000/yr, the typical $479,429 home in Worcester, MA needs $147,237/yr ($3,436/mo). Your gap: $-22,237 — housing would be 33% of your gross income.

The math

479,429 price − 10% down (47,943) = 431,486 loan
30-yr fixed at 6.95% on 431,486 = 2,856/mo principal+interest
+ 579/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,436/mo PITI ÷ 0.28 = 12,270/mo → 147,237/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Worcester, MA?

You need about $147,237/yr for the typical home. That's $22,237 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 →