Winthrop, Massachusetts.
Typical home $676,475 (+0.5% in a year), asking rent $2,725 (+5.3%). Boston-Cambridge-Newton, MA-NH metro.
to buy the typical home at today's mortgage rate — +$1,762 (+98%) since Jan 2020.
- 1 year
- Up $3,417 +1%
- $673,058$676,475 since Sep 2025
- 5 years
- Up $105,382 +18%
- $571,093$676,475 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.
- Winthrop$3,551
- Massachusetts$3,439
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Winthrop, MA rose 0.5% over the past year — slower than the nation's +1.2%.
Asking rents in Winthrop, MA rose 5.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Winthrop runs $1,921/mo more than renting one. The gap peaked at $2,160 in Oct 2023.
That is $4,646 a month against $2,725 rent: a $3,551 mortgage payment, plus $371 property tax and $724 insurance & upkeep.
Owning vs renting — Winthrop
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$4,646
- Renting$2,725
- Mortgage only$3,551
Property tax · $371/mo 0.66% of value a year — the ACS 2020-2024 median bill over the median home value for Suffolk County, MA
Insurance & upkeep · $724/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 Winthrop, Suffolk County, Massachusetts
The Census does not count Winthrop on its own, so the figures here are Suffolk County's. Half the county's households earn more than $95,631 a year and half less; 16% of the county's people live below the poverty line. 36% of the county's homes are lived in by their owners and 64% are rented. Unemployment in Suffolk County was 4.4% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most people in Suffolk County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 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. Winthrop is a coastal town on Massachusetts Bay, just northeast of Boston, and its winters are cold, with a good deal of snow, while summers are warm. Across Suffolk County, most homes are rented rather than owned, and most adults hold a university degree. Some residents live below the poverty line, and prices for homes and rent are high.
Work. Many residents work in schools, hospitals and social care, or in professional and business services. Others work in restaurants, hotels and entertainment, or in banks, insurance and property. Unemployment has eased over the past year, though the number of jobs dipped slightly in the most recent year.
Things to do. Boston is a short drive away, and the Museum of Fine Arts Boston is one of the best known museums in the region. Fenway Park, a stadium a short drive away, is also nearby, as is Boston Common, a garden in the heart of the city. Together they make a full day out for anyone who enjoys art, baseball or a walk through the city's history.
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- 327,167households
- 33.9median age
- 51%of adults have a degree
- 16%below the poverty line
- 31 mintypical commute
- 20%work from home
What people in Suffolk County work in
Employed residents by industry, from the Census survey. Suffolk County had 712,462 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 23°; warmest in July, with highs near 82° and lows near 66°. About 49 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Boston Logan International Airport weather station, 2 miles away (NOAA).
Largest workplaces in Suffolk County
- Massachusetts General HospitalGeneral hospital19,418FTE
- Brigham and Womens HospitalGeneral hospital14,858FTE
- Boston UniversityUniversity or college11,414
- Children's HospitalChildren's hospital10,006FTE
- Boston SchoolsSchool district9,211FTE
- Beth Israel Deaconess Medical CenterGeneral hospital8,791FTE
- Boston Medical CenterGeneral hospital7,500FTE
- Northeastern UniversityUniversity or college6,874
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 462 workplaces with 20 or more staff, 182,909 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts 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
- LightningVery high
- Heat wavesRelatively high
- Inland floodingRelatively high
- Cold wavesRelatively high
- HurricanesRelatively high
- Coastal floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Suffolk County, against the rest of the country; all of them together, relatively moderate. 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 Suffolk County and the Boston-Cambridge-Newton, MA-NH metro.
Winthrop home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Winthrop$676,475
- Massachusetts$655,219
- United States$366,157
Sellers are cutting prices on about 1 in 4 Winthrop listings — 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.
- Winthrop27.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Winthrop80
New listings per month
Sellers arriving at the market.
- Winthrop22
Zip codes with a Winthrop address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Winthrop — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.