Lawrence, Massachusetts Tier 4
Tier 4 · mixed schools · about 58 minutes door-to-door to downtown Boston at peak · 30% of households own their home.
$500k
4BR / 2BA house (est.)
$390k
3BR townhouse (est.)
$290k
2BR condo (est.)
$8.64
Tax per $1,000 (FY2026)
58 min
Peak drive to Boston (modeled)
🚆 48 min
Commuter rail · ~48 min to terminal
30%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $3,063/mo | $131k/yr |
| 3BR / 2BA townhouse | $2,428/mo | $104k/yr |
| 2BR condo | $1,850/mo | $79k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Lawrence’s actual FY2026 rate ($8.64/$1,000 = 0.86% of assessed value) + $175 insurance. “Income needed” keeps housing at 28% of gross income. Prices are market estimates, not appraisals.
Community snapshot
| ACS 2019–2023 (via MAPC DataCommon) | Share |
|---|---|
| Homeowner households | 30% |
| White (non-Hispanic) | 13% |
| Asian (non-Hispanic) | 1.7% |
| Latino / Hispanic | 82% |
| African American (non-Hispanic) | 2.1% |
These figures are neutral census facts, shown for every town equally. They are never used to filter, rank, or recommend towns — see our methodology and the federal Fair Housing Act.
