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City · 23,406 residents · Middlesex County, Massachusetts

Winchester , Massachusetts

In Winchester, a typical home is worth $1,215,200 and typical rent is $2,279 a month. Compared with all of Middlesex County, typical household income is 76% higher, the typical home value is 67% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $1,215,200

    67% above the county

    116% above Massachusetts

    • Winchester
    • Middlesex
    • Massachusetts

  • Typical rent

    $2,279a month

    4% above the county

    29% above Massachusetts

    • Winchester
    • Middlesex
    • Massachusetts

  • Typical household income

    $230,198a year

    76% above the county

    121% above Massachusetts

    • Winchester
    • Middlesex
    • Massachusetts

  • Households that own their home

    82%

    20 points above the county

    19 points above Massachusetts

    • Winchester
    • Middlesex
    • Massachusetts

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,530,404
2.6% more than 12 months ago
Typical rent
$3,191 a month
0.5% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Winchester is in Middlesex County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Middlesex County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Winchester apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Winchester is $230,198, 76% more than in Middlesex County as a whole ($130,847).

  2. The typical home in Winchester is worth $1,215,200, 67% more than in Middlesex County as a whole ($727,800).

  3. Nearby, in Stoneham, the typical home value is $671,900: 45% less than in Winchester ($1,215,200).

  4. 82% of households in Winchester own their home, against 61% in Middlesex County.

  5. Winchester has the 5th smallest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (39%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Winchester

What homes there are in Winchester, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Winchester, 7 in 10 homes are single-family detached houses; in Middlesex County, 5.

Year built

Homes in Winchester are older: the typical year built is 1954; in Middlesex County, 1962.

In Winchester, 78% of homes have 3 bedrooms or more, more than in Middlesex County (55%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

Owners with a mortgage

66%

Middlesex County: 66%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Winchester gained value more slowly than in Middlesex County: 29% since 2015–2019, against 45%.

Rent in Winchester moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureWinchesterMiddlesex CountyMassachusettsUnited States
Rental vacancy Unreliable estimate3.4%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room Unreliable estimate2.2%2.3%3.4%
People per household 2.772.492.442.53
Drive alone 52%54%61%69%
Carpool 4%6%7%9%
Public transit 6%7%7%3%
Walk or bike 4%6%5%3%
Work from home 34%25%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Winchester has 2.77 people, more than in Middlesex County (2.49).

Working from home is more common in Winchester: 34%, against 25% in Middlesex County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Winchester?

A typical home costs more than the typical income allows

We start with a typical home in Winchester, worth $1,215,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Winchester, which is $230,198 a year. For that payment to be 28% of income, a household would need to earn about $435,117 a year. Note: at that price the loan is above the FHA limit for Middlesex County ($962,550), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Middlesex County.

Your numbers

Local data
$

Starts at the typical home value in Winchester. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $42,532 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$10,153

at 7.18% · 30 years

Loan amount
$1,193,190
Total interest
$1,716,720
Paid off in
November 2056

Includes $20,522 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,371 a month

  • Tight

    $5,371 to $6,906 a month

  • Hard

    more than $6,906 a month

    Your payment · 53%

Compared with the typical household income in Winchester ($230,198 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$10,153
Principal & interest$8,083
Property tax$830
Home insurance$506
FHA mortgage insurance (MIP)$733

This loan is over the FHA limit

You'd borrow $1,172,668, but the FHA limit for a one-unit home in Winchester is $962,550. You'd need a bigger down payment or a different loan.

You need at least $42,532 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Winchester and Middlesex County

Winchester is in Middlesex County, Massachusetts. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Winchester's own numbers

Typical home value
$1,215,200
Typical monthly rent
$2,279
Typical yearly household income
$230,198
Households that own their home
82%
Effective property tax rate
0.82%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Middlesex County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,383–$3,008
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Middlesex County.

Everything about Middlesex County

Buying

Buying a home in Winchester

A typical home in Winchester is worth $1,215,200: 67% above the county and 116% above Massachusetts. With the typical household income in Winchester ($230,198 a year), a typical home costs 5.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Winchester 5.3 years
  • Middlesex 5.6 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Middlesex County

According to FHFA’s house price index, home prices in Middlesex County rose 83% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Middlesex County.

Period County Massachusetts U.S.
Last year (2025) +3.6% +3.7% +2.9%
5 years (2020–2025) +46% +49% +47%
10 years (2015–2025) +83% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Winchester next to Middlesex County, Massachusetts and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Winchester $1,215,200
  • Middlesex $727,800
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Winchester $2,279
  • Middlesex $2,201
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Winchester $230,198
  • Middlesex $130,847
  • Massachusetts $103,960
  • United States $80,734
See the full table
Winchester next to Middlesex County and Massachusetts
Measure Winchester Middlesex County Massachusetts U.S.
Typical home value $1,215,200 $727,800 $562,100 $332,700
Typical monthly rent $2,279 $2,201 $1,762 $1,413
Typical yearly household income $230,198 $130,847 $103,960 $80,734
Households that own their home 82% 61% 63% 65%
Typical yearly property tax $10,001 $7,501 $5,992 $3,119
Effective property tax rate 0.82% 1.03% 1.07% 0.94%
Renters with high rent for their income 39% 47% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Middlesex County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Winchester

For a typical $1,215,200 home in Winchester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winchester's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $10,153a month

    Above the FHA limit for Middlesex County ($962,550)
    Down payment
    $42,532
    Cash to close
    $78,988
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $733

  • Conventional, 5% down $9,735a month

    Above the conventional limit for Middlesex County ($962,550): it would be a "jumbo" loan
    Down payment
    $60,760
    Cash to close
    $97,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $577

  • Conventional, 20% down, no PMI $7,922a month

    Above the conventional limit for Middlesex County ($962,550): it would be a "jumbo" loan
    Down payment
    $243,040
    Cash to close
    $279,496
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $9,046a month

    Down payment
    $182,280
    Cash to close
    $218,736
    Rate
    8.18%
    Mortgage insurance
    None
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Winchester and for Middlesex County.

Property tax

Effective rate in Winchester

0.82%of the home’s value each year

$10,001 a year for the typical owner in Winchester.

  • Winchester 0.82%
  • Middlesex 1.03%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Middlesex County

FEMA does not publish these numbers by city: they are for all of Middlesex County.

Homes in the high-risk zone
1%
4,035
Of those, with NFIP insurance
54%
County Massachusetts U.S.
Homes in the high-risk zone 1% 3% 3.5%
Of those, with NFIP insurance 54% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Winchester

Typical rent in Winchester is $2,279 a month: 4% above the county. In Winchester, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Middlesex County; Winchester is in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. To pay the 2-bedroom one ($3,008 a month) without spending more than 30% of your income, you would need to earn $57.85 an hour working full time.

Fair market rent by size in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,440 $46.92 $97,600
1 bedroom $2,518 $48.42 $100,720
2 bedrooms $3,008 $57.85 $120,320
3 bedrooms $3,584 $68.92 $143,360
4 bedrooms $3,953 $76.02 $158,120

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $2,383 to $3,008. The table by area, below, shows which one each town is in.

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Fair market rent by HUD area in Middlesex County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area The area where most people liveWinchester is in this area
44 towns in this area

Acton town, Arlington town, Ashby town, Ashland town, Ayer town, Bedford town, Belmont town, Boxborough town, Burlington town, Cambridge city, Carlisle town, Concord town, Everett city, Framingham city, Holliston town, Hopkinton town, Hudson town, Lexington town, Lincoln town, Littleton town, Malden city, Marlborough city, Maynard town, Medford city, Melrose city, Natick town, Newton city, North Reading town, Reading town, Sherborn town, Shirley town, Somerville city, Stoneham town, Stow town, Sudbury town, Townsend town, Wakefield town, Waltham city, Watertown city, Wayland town, Weston town, Wilmington town, Winchester town, Woburn city

 $2,440$2,518$3,008$3,584$3,953$57.85
Lowell, MA HUD Metro FMR Area
10 towns in this area

Billerica town, Chelmsford town, Dracut town, Dunstable town, Groton town, Lowell city, Pepperell town, Tewksbury town, Tyngsborough town, Westford town

 $1,659$1,831$2,383$2,878$3,132$45.83

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Winchester

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winchester is in ZIP code 01890.

For 2 bedrooms it is $3,170.

  • 01890 $3,170$3,780

A ZIP code counts for Winchester when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Winchester

HUD lists 2 buildings with rents for lower incomes in Winchester. These are the largest.

  • Noonan Glen 75 Hemingway St, Winchester 01890 18 low-income homes · For older adults
  • Pri Noonan Glen LLC 75 Hemingway St, Winchester 18 homes

See all 311 buildings in Middlesex County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Winchester

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in Middlesex County; 2 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Winchester

No down payment, repair or rent-help program on our list is for Winchester or Middlesex County. The ones below are statewide in Massachusetts: they work in Winchester the same as in the rest of the state.

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near Winchester

The HUD-approved agencies closest to the center of Winchester, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Service Network, Inc.

    91 Summer St, Stoneham · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (781) 438-9254

  • Credit Card MGMT Svcs, Inc D/B/A Debthelper.com

    400 W Cummings Park, Woburn · 3 miles away · Spanish

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 3 more
    (561) 472-8000

  • Somerville Community Corporation

    337 Somerville Ave, Somerville · 6 miles away · Spanish

    Also serves in Creole and Portuguese.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (617) 410-9905

Every agency in Middlesex County All counseling agencies in Massachusetts

Help in Spanish near Winchester

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Winchester

HUD’s record names them for Winchester or Middlesex County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

34 other authorities have an office in Middlesex County: see the list Source: HUD

Cities

Other cities in Middlesex County

These cities are also in Middlesex County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Middlesex County Housing in Massachusetts
See 14 more cities in Middlesex County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Winchester, with the typical home value.

Neighboring counties

If Middlesex County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Winchester.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Winchester

Short answers with the numbers for Winchester and all of Middlesex County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Winchester?

The typical home value in Winchester is $1,215,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Middlesex County it is $727,800.

How much does it cost to rent in Winchester?

Typical rent in Winchester is $2,279 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Middlesex County is $2,383–$3,008.

What is the FHA loan limit in Winchester?

Winchester uses the FHA limit for all of Middlesex County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Winchester?

The typical homeowner in Winchester pays $10,001 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Middlesex County, the rate is 1.03%.

Where can I find free help to buy or rent in Winchester?

There are 5 HUD-approved counseling agencies with an office in Middlesex County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).