Mortgage lender in Worcester County, MA

Buying in Worcester County

Worcester County, the largest in Massachusetts by area, takes in Worcester, Leominster, Fitchburg, Shrewsbury, Milford and Westborough. Worcester County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Massachusetts, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$545,100 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

MassHousing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Worcester County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Worcester County: the city, the Blackstone Valley and the hill towns

The City of Worcester is known for its three-deckers, three-family houses with one unit per floor. Buying one to live in follows owner-occupant rules, and rent from the other two units can sometimes be counted. Older multi-family homes are also where an FHA or VA appraisal is most likely to call for repairs.

Shrewsbury, Westborough, Northborough and Grafton, to the east, are commuter suburbs with higher prices. Fitchburg, Leominster and Gardner, to the north, are more moderate. In the smaller towns most homes have a private well and a septic system, which needs a Title 5 inspection before the sale, and some addresses fall inside the USDA eligibility map.

Worcester County by the numbers

Median home value

$423,700 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.28% of home value a year: median tax bill $5,438 on a median value of $423,700 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Deeds excise of $2.28 per $500 of the sale price (Massachusetts Department of Revenue, tax rates)

Largest communities

Worcester, Leominster, Fitchburg, Shrewsbury (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $423,700. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $545,100.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Massachusetts

Closings in Massachusetts are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Massachusetts page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Worcester County buyers ask

Massachusetts notice. Stellar Mortgage Corporation, NMLS #2190975. Massachusetts Mortgage Lender License.

Limits shown are the 2026 FHFA and HUD figures for Worcester County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.