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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

Winchester, MA Housing Affordability Index

Winchester, Massachusetts has an MBR Housing Affordability Index score of 82.5 (Moderately Less Affordable) as of October 30, 2026, ranking 69th most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $1,215,200 home with 20% down, a jumbo loan at 7.35% means a monthly principal and interest payment of about $6,699, or 35% of the city’s $230,198 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Winchester 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.

Winchester MBR-HAI 82.5 Moderately Less Affordable
Rank in Massachusetts 69 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 $1,215,200 U.S. Census Bureau

Winchester is 6.6 points above the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Winchester Mortgage Rates

What It Takes to Buy in Winchester

$6,699/mo
Principal & Interest
Median home, 20% down, 7.35% jumbo
$287,100
Income Needed
To keep the payment at 28% of income
$230,198
Median Household Income
Massachusetts: $103,960
5.3x
Price-to-Income Ratio
Massachusetts: 5.4x
$3,524/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,085/yr
Median Property Tax
Massachusetts figure
19.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Winchester, Massachusetts. The rate is the Massachusetts average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Winchester Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Winchester, Massachusetts score: 82.5 (Moderately Less Affordable), ranked 69 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/winchester”