Shirley, Massachusetts.
Typical home $551,866 (+2.2% in a year). Boston-Cambridge-Newton, MA-NH metro.
to buy the typical home at today's mortgage rate — +$1,573 (+119%) since Jan 2020.
- 1 year
- Up $11,890 +2%
- $539,976$551,866 since Sep 2025
- 5 years
- Up $110,552 +25%
- $441,314$551,866 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Shirley$2,897
- Massachusetts$3,439
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Shirley, MA rose 2.2% over the past year — faster than the nation's +1.2%.
Living in Shirley, Middlesex County, Massachusetts
Shirley, in Middlesex County, had 1,611 people in the 2020 census. Unemployment in Middlesex County was 4.0% in August 2026, and the county had 2.4% fewer jobs in 2025 than the year before. The most people in Middlesex County work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Shirley is a very small community in Middlesex County, with far fewer people than most towns in the state. Household incomes in the county run high, and homes in Shirley are valued well above what many families across the country would expect to pay. Winters are cold, with January the coldest month and highs staying close to freezing, while July is warm. Rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, and others in professional and business services, manufacturing and shops. In Shirley itself, the largest workplaces include Bemis Associates, which makes film and packaging, Ripsaw Designs, a cabinet maker, and Community Resources for Justice, a social services organization. Across Middlesex County, unemployment is a little lower than a year ago, though there are somewhat fewer jobs than the year before.
Things to do. The Nashua River and the Squannacook River are both a short drive away, and the Oxbow National Wildlife Refuge, a protected area, is close by too. For something indoors, the Fitchburg Art Museum is also a short drive from town. Walden Pond, a well-known reservoir, is a longer drive away.
Report a mistake
- 6%below the poverty line
What people in Middlesex County work in
Employed residents by industry, from the Census survey. Middlesex County had 903,942 jobs in 2025, 2.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 16°; warmest in July, with highs near 83° and lows near 62°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fitchburg Municipal Airport weather station, 5 miles away (NOAA).
Largest workplaces in Shirley
- Bemis AssociatesFilm, plastics, packaging, manufacturing120
- Ripsaw DesignsCabinets, wood household-type, freestanding, manufacturing112
- Community Resources for JusticeIndividual and family social services, multi-purpose68
- Lazaro PavingAsphalt paving58
- StrykerSurgical instruments and apparatus merchant wholesalers50
- Burkart-PhelanFlutes and parts manufacturing25
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 433 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Shirley’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Middlesex County and the Boston-Cambridge-Newton, MA-NH metro.
Shirley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Shirley$551,866
- Massachusetts$655,219
- United States$366,157
Sellers are cutting prices on about 1 in 4 Shirley listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Shirley23.64%
- United States25.56%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Shirley17
New listings per month
Sellers arriving at the market.
- Shirley5
Zip codes with a Shirley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Shirley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.