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Market MapWorcester, MA
Metropolitan Area

Worcester, MA

Massachusetts0
52
/100
Hold
#677 of 894 metros
Top 76% nationally for investing

Market Snapshot

$462,493
Median Home Price
89% above national median
$2,082/mo
Median Rent
50% above national median
5.40%
Rent-to-Price Ratio
Top 66% nationally
-$1,071
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$462,493
Down Payment (20%)$92,499
Loan Amount$369,994
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,082
Monthly P&I-$2,424
Est. Expenses (35%)-$729
Net Cash Flow-$1,072/mo
3.5%
Cap Rate (all cash)
-12.1%
Cash-on-Cash Return
5.40%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
52/100
52
Cash Flow(30%)
51/100

Based on 5.40% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
68/100

Based on 2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
34/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (5.40%)
  • -Negative cash flow at typical financing (-$1,071/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Counties in Worcester, MA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Duluth, MN
Duluth, MN
72$248,119$1,5267.38%BuyView
Toledo, OH
Toledo, OH
72$194,475$1,1567.14%BuyView
Syracuse, NY
Syracuse, NY
72$248,808$1,5707.57%BuyView
Davenport, IA
Davenport, IA
72$184,666$1,0506.83%BuyView
Springfield, OH
Springfield, OH
72$193,537$1,0846.72%BuyView
Current
Worcester, MA
52$462,493$2,0825.40%Hold

The Bottom Line

HoldWorcester, MA is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Worcester, MA metro area scores 52/100, ranking #677 of 894 US metros (top 76%). The 5.40% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,071/mo
Cap Rate
3.5%
Cash-on-Cash
-13.9%

Ready to Invest in Worcester, MA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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