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Worcester city, MA

ZIP 01545 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01545

Median Home Value
$555,500
Median Rent
$1,832
Affordability Snapshot
$153,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,568/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 01545 in Worcester city, MA, a household would need roughly $153,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,568. That is roughly in line with the local median household income ($136,225). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.1%+10% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
16.8%-66% vs US avg
x
Mortgage-Free
33.8%-11% vs US avg
x
$555,500
Home Value
$1,832
Rent
1979
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.8%
  • 1-unit attached8.1%
  • 2-9 units8.1%
  • 10+ units17.4%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$555,500
Median rent$1,832
Owner-occupied72.1%
Vacant5.3%
Price-to-income4.1x
Est. income to buy$153,000