Lowell, Massachusetts Tier 4
Tier 4 · mixed schools · about 57 minutes door-to-door to downtown Boston at peak · 44% of households own their home.
$525k
4BR / 2BA house (est.)
$435k
3BR townhouse (est.)
$320k
2BR condo (est.)
$11.35
Tax per $1,000 (FY2026)
58 min
Peak drive to Boston (modeled)
🚆 45 min
Commuter rail · ~45 min to terminal
44%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $3,326/mo | $143k/yr |
| 3BR / 2BA townhouse | $2,786/mo | $119k/yr |
| 2BR condo | $2,096/mo | $90k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Lowell’s actual FY2026 rate ($11.35/$1,000 = 1.14% 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 | 44% |
| White (non-Hispanic) | 44% |
| Asian (non-Hispanic) | 21% |
| Latino / Hispanic | 19% |
| African American (non-Hispanic) | 10% |
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.
