Market Overview
Home Prices in Phillipston, MA
The median home value in Phillipston, MA is $443,488 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Phillipston are priced8% above average. Phillipston is part of the Worcester, MA-CT metro area.
Over the past five years, Phillipston home values have risen by approximately37.8%, reflecting strong long-term appreciation in this market.
Price History
Phillipston Home Price Trend
City Comparison
Phillipston vs. National Median
At $443,488, homes in Phillipston cost 8% above the national median of $410,000. Buyers in Phillipston should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Phillipston?
20% Down Payment
$88,698
on $443,488
Monthly P&I
$2,313/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,938/mo
incl. taxes & insurance
Income Needed
$117,520
gross annual (30% rule)
10% Down Option
$44,349
+ PMI applies
Loan Amount (20% dn)
$354,790
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 Phillipston, MA?
The median home value in Phillipston is $443,488 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Phillipston?
Over the past year, home values in Phillipston have increased by 4.1%. Over five years, prices have risen approximately 37.8%.
How much do I need to earn to buy a home in Phillipston?
To comfortably afford the median home price of $443,488 with a 20% down payment ($88,698) at today's rates (6.8%), you'd need a gross annual income of approximately $117,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Phillipston compare to the national average home price?
The national median home value is approximately $410,000. At $443,488, homes in Phillipston are 8% above the national average.
What metro area is Phillipston part of?
Phillipston is part of the Worcester, MA-CT metropolitan area. Home prices and market conditions can vary across the broader metro region.