Easiest ZIP codes to buy in Massachusetts
Top 25 easiest ZIP codes to buy into in Massachusetts by price-to-income ratio. #1 is 01608 (Worcester) at about 2.5x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Massachusetts — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 01608 (Worcester) at about 2.5x; 01129 (Springfield) at about 2.6x; 01611 at about 2.6x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Massachusetts state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 01608 | Worcester | Worcester County | 2.5x | 4,951 | $45,962 | $117,100 |
| 2 | 01129 | Springfield | Hampden County | 2.6x | 5,993 | $92,500 | $239,200 |
| 3 | 01611 | — | Worcester County | 2.6x | 2,401 | $118,389 | $306,400 |
| 4 | 01128 | Springfield | Hampden County | 2.7x | 3,252 | $92,125 | $246,200 |
| 5 | 01071 | Russell | Hampden County | 2.7x | 1,219 | $107,292 | $287,000 |
| 6 | 01543 | Rutland | Worcester County | 2.8x | 9,202 | $155,504 | $439,200 |
| 7 | 02071 | — | Norfolk County | 2.8x | 1,677 | $207,878 | $590,300 |
| 8 | 01026 | — | Hampshire County | 2.9x | 1,005 | $98,438 | $283,600 |
| 9 | 01566 | Sturbridge | Worcester County | 2.9x | 7,054 | $135,802 | $393,000 |
| 10 | 01033 | Granby | Hampshire County | 2.9x | 6,088 | $110,188 | $319,600 |
| 11 | 01080 | Palmer Town | Hampden County | 2.9x | 2,308 | $87,188 | $254,800 |
| 12 | 01540 | Oxford | Worcester County | 2.9x | 11,521 | $118,389 | $346,000 |
| 13 | 01050 | Huntington | Hampshire County | 2.9x | 2,573 | $96,328 | $282,400 |
| 14 | 01106 | Longmeadow | Hampden County | 2.9x | 15,961 | $143,961 | $423,800 |
| 15 | 01516 | East Douglas | Worcester County | 3.0x | 9,287 | $147,859 | $436,700 |
| 16 | 01520 | — | Worcester County | 3.0x | 16,864 | $147,582 | $444,300 |
| 17 | 01118 | Springfield | Hampden County | 3.0x | 15,009 | $80,906 | $243,800 |
| 18 | 01022 | Chicopee | Hampden County | 3.0x | 2,045 | $56,307 | $169,700 |
| 19 | 02725 | Somerset | Bristol County | 3.1x | 2,300 | $127,228 | $389,700 |
| 20 | 01095 | Wilbraham | Hampden County | 3.1x | 14,615 | $124,682 | $383,200 |
| 21 | 01008 | Blandford | Hampden County | 3.1x | 1,324 | $90,625 | $279,500 |
| 22 | 01827 | — | Middlesex County | 3.1x | 3,375 | $202,379 | $624,300 |
| 23 | 01351 | — | Franklin County | 3.1x | 2,644 | $99,375 | $308,400 |
| 24 | 01072 | — | Franklin County | 3.1x | 1,447 | $103,188 | $321,400 |
| 25 | 01036 | — | Hampden County | 3.1x | 4,937 | $110,703 | $345,200 |
Frequently asked questions
Which ZIP codes in Massachusetts are easiest to buy into?
By median home price-to-income ratio, 01608 (Worcester) ranks near the top at about 2.5x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Massachusetts?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Massachusetts?
Visit the Massachusetts state page for the full ZIP table, demographics summary, and sortable income/housing columns.