Total monthly cost of ownership
Cost to Own a Home in Upton, Massachusetts
A $475,000 home here costs
$3,854per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,442. The real number is $1,412 higher every month — 58% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Upton against Worcester County and Massachusetts
| Measure | Upton | Worcester County |
|---|---|---|
| Median home value | $474,600 | $390,700 |
| Median property tax | $6,797 | $5,207 |
| Effective tax rate | 1.432% | 1.333% |
| Median gross rent | — | $1,347 |
| Population | 2,985 | 861,664 |
The weather behind that power bill
Upton sits in Worcester County, which averages a high of 79.8°F in its hottest month and a low of 17.1°F in its coldest, with 48.26" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 503 cooling and 6,622 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Worcester County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Worcester County
Full Worcester County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Upton?
A $475,000 home in Upton, Massachusetts costs approximately $3,854 per month with 20% down at 6.66%. That is $2,442 principal and interest, $567 property tax, $123 homeowners insurance, $327 utilities and $396 set aside for maintenance.
What is the property tax rate in Upton?
Upton has an effective property tax rate of 1.432%, based on a median home value of $474,600 and median real estate taxes of $6,797. That is higher than the Worcester County average of 1.333%.
What is the average home price in Upton?
The median owner-occupied home value in Upton, Massachusetts is $474,600, against $390,700 across Worcester County.
Is it cheaper to rent or buy in Upton?
Rent data is not published for Upton at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Upton — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Massachusetts.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.