Market Overview
Home Prices in Charlton, MA
The median home value in Charlton, MA is $541,523 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.5% compared to a year ago and up 4.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Charlton are priced32% above average. Charlton is part of the Worcester, MA-CT metro area.
Over the past five years, Charlton home values have risen by approximately32.4%, reflecting strong long-term appreciation in this market.
Price History
Charlton Home Price Trend
City Comparison
Charlton vs. National Median
At $541,523, homes in Charlton cost 32% above the national median of $410,000. Buyers in Charlton should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Charlton?
20% Down Payment
$108,305
on $541,523
Monthly P&I
$2,824/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,586/mo
incl. taxes & insurance
Income Needed
$143,440
gross annual (30% rule)
10% Down Option
$54,152
+ PMI applies
Loan Amount (20% dn)
$433,218
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Charlton, MA?
The median home value in Charlton is $541,523 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.5% year-over-year.
How much have home prices changed in Charlton?
Over the past year, home values in Charlton have increased by 2.5%. Over five years, prices have risen approximately 32.4%.
How much do I need to earn to buy a home in Charlton?
To comfortably afford the median home price of $541,523 with a 20% down payment ($108,305) at today's rates (6.8%), you'd need a gross annual income of approximately $143,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Charlton compare to the national average home price?
The national median home value is approximately $410,000. At $541,523, homes in Charlton are 32% above the national average.
What metro area is Charlton part of?
Charlton is part of the Worcester, MA-CT metropolitan area. Home prices and market conditions can vary across the broader metro region.