The median home in Chelsea, Massachusetts is valued at $515,744, down 0.4% year over year. Typical monthly rent is $2,482, producing a price-to-rent ratio of 17.3x — near the national average of 18x. Chelsea is part of the Boston-Cambridge-Newton, MA-NH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$515,744

-0.4%

Rent$2,482/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$103,149 on $515,744

Example: $75,000 household income. Change it above to see your own.

Out of reach52.4% of income

Need $140,314/yr to afford.

PITI$3,274

P/I52.4%

Afford$276K

Gap-$240K

P&I $2,608Tax $516Ins $150

Renting $792/mo cheaper ($2,482 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Massachusetts

Compare Chelsea with other housing markets across Massachusetts.

Nantucket$2.97M Chilmark$2.28M Weston$2.18M Wellesley$1.95M Edgartown$1.77M Aquinnah$1.73M Dover$1.72M West Tisbury$1.6M

Full Boston-Cambridge-Newton, MA-NH analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Boston-Cambridge-Newton, MA-NH metro.

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Chelsea, MA