WhereCanIAfford › Worcester, MA › On $175,000

Is Worcester, MA affordable on a $175,000 salary?

YES On $175,000/yr, the typical $476,551 home in Worcester, MA needs $149,200/yr ($3,481/mo). Your gap: +$25,800 — housing would be 23.9% of your gross income.

The math

476,551 price − 10% down (47,655) = 428,896 loan
30-yr fixed at 7.18% on 428,896 = 2,905/mo principal+interest
+ 576/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,481/mo PITI ÷ 0.28 = 12,433/mo → 149,200/yr required

against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).

What salary WOULD clear Worcester, MA?

You need about $149,200/yr for the typical home. On $175,000 you already clear it by $25,800.

On $150,000? On $200,000? On $225,000?

See the full Worcester, MA affordability breakdown → or every metro you can afford on $175,000 →