Considering buying a home in Massachusetts but unsure where to look? How does Wilmington, Franklin or Reading strike you?
They're the top three of the 20 best places to own a home in the Bay State, according to consumer finance website NerdWallet, which based its recommendations on U.S. Census data for the 77 communities with more than 15,000 residents. The website chose that as the cutoff because not all of the data for smaller communities were available and even when it was, the smaller the population, the greater the possibility that the data could be skewed, said Jaime Ortiz, senior analyst for strategy.
For each municipality, NerdWallet looked at three main criteria: whether homes were available, how affordable it was to live there, and whether the area was growing — a signal of a robust economy, Ortiz said.
"A lot of these places — 13 of the top 20 — were clustered around Boston," she said. "That definitely tells me they benefit from their proximity to Boston, including its jobs, its universities, its arts and entertainment."
Wilmington also had a homeownership rate of 89.8 percent — the highest in the state — as well as monthly costs that took up only 27 percent of the median monthly household income.
Franklin had a homeownership rate of 79.3 percent and monthly costs that took up 29.2 percent of the median monthly household income, while Reading's homeownership rate was 82.2 percent and monthly costs were 30.9 percent.
NerdWallet's other top places were, in order, Burlington, Hudson, Wakefield, Randolph, Lexington, Methuen, Longmeadow, Winchester, Braintree, Saugus, Abington, Danvers, Dedham, Milton, Somerset, Wellesley and Milford.
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