WhereCanIAfford › Worcester, MA › On $200,000

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

YES On $200,000/yr, the typical $487,476 home in Worcester, MA needs $146,449/yr ($3,417/mo). Your gap: +$53,551 — housing would be 20.5% of your gross income.

The math

487,476 price − 10% down (48,748) = 438,728 loan
30-yr fixed at 6.69% on 438,728 = 2,828/mo principal+interest
+ 589/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,417/mo PITI ÷ 0.28 = 12,204/mo → 146,449/yr required

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

What salary WOULD clear Worcester, MA?

You need about $146,449/yr for the typical home. On $200,000 you already clear it by $53,551.

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

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