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78 Upland St, Worcester, MA, 01607

4beds
2baths
2,394sqft
$528,900
$221price/sqft
$3,947/moest. monthly cost
$157,880/yrincome needed

About This Home

NEW PRICE, Motivated Sellers! Two Family on the Auburn/Worcester line, ideal for an owner occupant to live in the upstairs unit which has large updated rooms and it's own private deck off the kitchen allowing you to enjoy the outdoors. This unit also has a walkup attic for plenty of storage options. You have all the features of living in a single family home all while collecting rental income to help offsett all your housing expenses. The first floor unit offers 2 large bedrooms and living area with an updated kitchen and beautiful flooring throughout, currently rented substantially below comparable market rents for similary sized apartments in the area creating significant potential for future rental income growth. Solar installed and Mass Save has insulated the home. Perfect commuter location on Auburn/Worcester line with access to Routes 20, 146, 290, 395 & MA Pike a short distance away. Schedule your private viewing today, this is one you don't want to miss at this price!

Getting Around

12
WalkingCar-Dependent
28
TransitSome Transit
6
BikeSomewhat Bikeable

Schools

4/10
Quinsigamond SchoolGrades PK-60.8 mi
4/10
5/10
Jacob Hiatt Magnet SchoolGrades PK-62.3 mi

Construction

Condition

  • Year built: 1740

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator,Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Bulkhead,Concrete

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Living Room,Kitchen,Laundry Room,Office/Den
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,394

Heating

  • Heating features: Natural Gas,Electric,Active Solar

Interior Area

  • Total structure area: 2,394
  • Total interior livable area: 2,394 sqft

Property

Details

  • Parcel number: M:29 B:039 L:00034,1789015
  • Zoning: RL-7
  • Exclusions: Pellet Stove

Features

  • Patio & porch: Deck
  • Exterior features: Rain Gutters,Garden
  • Fencing: Fenced

Lot

  • Lot size: 8,059 sqft

Parking

  • Total spaces: 7
  • Parking features: Paved Drive,Off Street,Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 7

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Hurricane
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,674$32,088
Home Insurance *$227$2,724
Property Taxes $574$6,888
Electricity $472$5,664
Total$3,947$47,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,325/yr
40% on housing$118,410/yr
45% on housing$105,253/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 01607$205
Worcester County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 01607$279
Worcester County$281

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-12Price change$499,900
2026-08-06Price change$528,000
2026-07-31Price change$528,900
2026-07-13Listed for sale$549,900
2018-12-12Sold$245,000
2018-10-27Listed for sale$239,900
2018-02-26Listing removed$280,000
2017-11-28Listed for sale$280,000
2017-09-27Listing removed$280,000
2017-06-27Listed for sale$280,000
2014-12-29Sold$102,000
2014-09-30Pending sale$129,900
2014-08-19Price change$129,900
2014-07-15Price change$139,900
2014-05-21Listed for sale$149,900

For Sale by Agent

AgentLou Gosselin
BrokerageLAER Realty Partners

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