Winchester Real Estate Intelligence
01890 Market Analytics & Investment Insights
Winchester Real Estate Intelligence
Comprehensive market analytics, investment insights, and property intelligence for the 01890 market
Median Price
$1.7M
Active Listings
18
Days on Market
27
Market Overview - July 2025
Latest real-time market intelligence
Median Listing Price
$1,700,000
-17.3% YoY
Range: $489K - $3.9M
Median listing price for Winchester MA properties as of July
2025
Price per Square Foot
$554
Market correction
Down from previous highs
Price per square foot showing recent market correction
Days on Market
27 days
Normalizing market
Longer than previous year
2025: 27d
2024: 18d
Average days properties spend on market before sale
Active Listings
18
Very tight inventory
1.2 months of supply
Number of properties currently available for sale
💰 Financing Environment & Affordability
Average Mortgage Rate
7.0%
Range: 6.8% - 7.5%
Monthly Payment (Median Home)
$8,950
P&I only, 20% down, 7% rate
Cash Sale Percentage
15%
85% financed purchases
Average Down Payment
30%
$495,000 for median home
Affordability Analysis
Required Income for Median Home: $384,000/year
Based on 28% debt-to-income ratio
Based on 28% debt-to-income ratio
Winchester Median Household Income: $218,176
Price-to-Income Ratio: 7.6x
Price-to-Income Ratio: 7.6x
Affordability Index: 0.68 (68% of median income
households can afford median home)
🏠 Total Cost of Ownership
Property Taxes
$22,605
Rate: $13.70 per $1,000 assessed value
Insurance
$4,200
Average homeowner's insurance
Utilities
$8,400
Heating, electric, water, cable
Maintenance
$19,800
1.2% of home value annually
Total Annual Carrying Costs: $55,005
$4,584 per month beyond mortgage payment
$4,584 per month beyond mortgage payment
🎓 School District Premium
Winchester Public Schools
#22 of 351 MA Districts
Math: 84% | Reading: 90%
Winchester High School
#2 in Massachusetts
College Success Award Winner
Vinson-Owen Elementary
#42 in MA (Grade A)
Church St/West Side
Muraco Elementary
#55 in MA (Grade A)
Town Center/East Winchester
Lynch Elementary
#68 in MA (Grade A-)
Highland/Cambridge St
School District Premium: 15% above comparable
markets
🚊 Transportation & Commute
Commuter Rail
29 minutes to North Station
$329/month pass
Lowell Line, every 30 minutes
Average Commute
25 minutes to Boston
+15% during rush hour
Multiple highway access points
Walkability Scores
Walkability: 68/100
Transit: 72/100
Good walkable amenities
Market Composition
Neighborhood Price Comparison
Wedgemere
$2,800,000
+65%
West Side
$2,000,000
+18%
Winchester Town Center
$1,468,000
-14%
Winchester Highlands
$1,329,000
-22%
Property Age Distribution
Seasonal Market Patterns
📊 Economic Context
Employment Growth
+2.5%
Annual job growth rate
Unemployment Rate
2.8%
Well below national average
Primary Industries
Tech, Finance, Healthcare, Education
Market Trends & Analysis
🔥 Market Correction Reality
- 18 active listings (extremely tight inventory)
- 1.2 months of supply (balanced = 6 months)
- Prices down 17.3% YoY but still premium market
- Financing challenges at 7% mortgage rates
⚖️ Market Balance Factors
- High interest rates cooling demand
- Inventory crisis continues despite correction
- Days on market extending to 27 days
- Limited new construction maintains scarcity
💡 Investment Opportunities
- Winchester Highlands value opportunity (-22%)
- Market correction creating entry points
- Strong school district maintains long-term value
- Commuter rail access premium locations