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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Upton, MA Housing Affordability Index

Upton, Massachusetts has an MBR Housing Affordability Index score of 84.5 (Moderately Less Affordable) as of October 30, 2026, ranking 59th most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $476,300 home with 20% down, the Massachusetts average 30-year fixed rate of 7.10% means a monthly principal and interest payment of about $2,561, or 28% of the city’s $110,900 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Upton is updated every night from live Massachusetts mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Upton MBR-HAI 84.5 Moderately Less Affordable
Rank in Massachusetts 59 of 193 1 = most affordable
Massachusetts 76.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.10% Massachusetts lenders
Median home value $476,300 U.S. Census Bureau

Upton is 8.5 points above the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Upton Mortgage Rates

What It Takes to Buy in Upton

$2,561/mo
Principal & Interest
Median home, 20% down, 7.10%
$109,800
Income Needed
To keep the payment at 28% of income
$110,900
Median Household Income
Massachusetts: $103,960
4.3x
Price-to-Income Ratio
Massachusetts: 5.4x
$2,581/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,791/yr
Median Property Tax
1.43% of median value
23.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Upton, Massachusetts. The rate is the Massachusetts average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Upton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Upton, Massachusetts score: 84.5 (Moderately Less Affordable), ranked 59 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/upton”