Stoneham, Massachusetts.
Typical home $798,629 (+2.7% in a year), asking rent $3,055 (+4.1%). Boston-Cambridge-Newton, MA-NH metro.
to buy the typical home at today's mortgage rate — +$2,143 (+105%) since Jan 2020.
- 1 year
- Up $21,137 +3%
- $777,492$798,629 since Sep 2025
- 5 years
- Up $145,255 +22%
- $653,374$798,629 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.
- Stoneham$4,192
- Massachusetts$3,439
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Stoneham, MA rose 2.7% over the past year — faster than the nation's +1.2%.
Asking rents in Stoneham, MA rose 4.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Stoneham runs $2,677/mo more than renting one. The gap peaked at $2,876 in Jan 2025.
That is $5,733 a month against $3,055 rent: a $4,192 mortgage payment, plus $686 property tax and $855 insurance & upkeep.
Owning vs renting — Stoneham
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,733
- Renting$3,055
- Mortgage only$4,192
Property tax · $686/mo 1.03% of value a year — the ACS 2020-2024 median bill over the median home value for Middlesex County, MA
Insurance & upkeep · $855/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Stoneham, Middlesex County, Massachusetts
Stoneham, in Middlesex County, had 23,244 people in the 2020 census. Half its households earn more than $113,964 a year and half less, against $130,847 across Middlesex County; 5% of its people live below the poverty line. 71% of its homes are lived in by their owners and 29% are rented. 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 residents 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. Stoneham is a community of long-settled households, where most homes are lived in by their owners and the population is somewhat older than in many places. Incomes run below the county's, though few residents live below the poverty line, and a large share of adults hold a four-year degree. Winters are cold and snowy, with January the coldest month, while summers turn warm, and precipitation falls steadily through the year.
Work. Many residents work in schools, hospitals and social care, with professional and business services, shops and manufacturing also employing a good number. Within town, the largest workplaces include Stoneham Schools, The Arbors at Stoneham and Target. The typical commute is moderate, and a notable share of residents work from home. Across Middlesex County, jobs have slipped slightly over the past year, and unemployment is a little lower than it was a year earlier.
Things to do. Boston is a short drive away, and several of its best-known places are within easy reach. The Museum of Fine Arts Boston is a short drive away, as is Fenway Park, the baseball stadium. Boston Common, the city's central garden, is also a short drive from town, and Gillette Stadium is a longer drive away.
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- 9,749households
- 56%of adults have a degree
- 5%below the poverty line
- 28 mintypical commute
- 25%work from home
What residents 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 38° and lows near 18°; warmest in July, with highs near 84° and lows near 63°. About 64 inches of snow and 50 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Reading weather station, 4 miles away (NOAA).
Largest workplaces in Stoneham
- Stoneham SchoolsSchool district396FTE
- Stoneham OpertationsNursing homes202
- BJ's Wholesale Club, Inc.Warehouse club and supercenters145
- TargetDiscount department stores107
- The Arbors at StonehamAssisted-living facilities with on-site nursing facilities77
- LasershipCouriers and express delivery services70
- MYSTIC VALLEY DERMATOLOGY ASSOCIATES-StonehamPhysicians' offices59
- Manganaro Building GroupDrywall contractors43
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 763 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. 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
FEMA rates every natural hazard here relatively low or very low.
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Stoneham’s census tracts, against the rest of the country; all of them together, relatively 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.
Stoneham home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Stoneham$798,629
- Massachusetts$655,219
- United States$366,157
Sellers are cutting prices on about 1 in 4 Stoneham listings, and the typical home goes pending in 13 days — the market is cooling.
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.
- Stoneham23.62%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Stoneham13
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Stoneham50
New listings per month
Sellers arriving at the market.
- Stoneham22
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Stoneham$734,779
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
Not enough data to draw this yet.
Zip codes with a Stoneham address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Stoneham — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.