D

Fitchburg, MA

Affordability Score: 42/100

Population: 40,337 · 1 ZIP codes

The affordability dashboard for Fitchburg, MA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 40,337 residents, then layers in county-level federal data to produce an overall grade of D (42/100). The headline inputs are median household income of $72,780, median home value of $335,300, median rent of $1,222 per month, and 25.0% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,749 per month (studio $1,206, 1BR $1,410, 3BR $2,247, 4BR $2,637). Department of Labor data lists infant center-based childcare at $20,296 per year, consuming 28% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are housing, childcare. Unemployment currently reads 7.0% and poverty 15.7% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$72,780
Median household income
Education F
25.0%
Bachelor's degree or higher
Housing F
4.6x
Home value $335,300 vs income
Commute D
27 min
Average commute time
Rent C-
$1,749/mo
2BR fair market rent (29% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$20,296/yr
Center-based infant care (28% of income)

Income & Employment

Median Income
$72,780
▲ 17% vs national
Per Capita Income
$37,232
Unemployment Rate
7.0%
Poverty Rate
15.7%

Housing

Median Home Value
$335,300
▲ 22% vs national
Median Rent
$1,222/mo
Owner Occupied
54.2%
2BR Fair Market Rent
$1,749/mo
▲ 46% vs national

Fair Market Rents by Bedroom

Studio
$1,206
1BR
$1,410
2BR
$1,749
3BR
$2,247
4BR
$2,637

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
25.0%
▼ 5 ppt vs national
High School+
58.0%
Median Age
36.3
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
$20,296/yr
28% of income
Toddler (Center)
$18,200/yr
Preschool (Center)
$14,820/yr
School-Age (Center)
$10,920/yr

What This Means

Fitchburg, MA receives an overall affordability grade of D (42/100), aggregated from 1 ZIP codes with a total population of 40,337. Challenges include housing and childcare. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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Frequently Asked Questions

Is Fitchburg, MA affordable?
Fitchburg, MA receives an overall affordability grade of D (42/100) based on Census, HUD, FBI, and DOL data. Median household income is $72,780. Median home value is $335,300.
What is the cost of living in Fitchburg?
Key cost metrics: Median rent $1,222/mo. 2BR fair market rent $1,749/mo. Infant childcare $20,296/yr. Median home value $335,300.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →