First-time buyer programs
MassHousing sets its own income and price limits for Middlesex County. We check them with you before you shop.
MassHousing home loans
Living in Wilmington, Massachusetts
Wilmington is a town in Middlesex County first settled in 1665 and incorporated in 1730. Much of the town was built on or remains wetlands, and the Ipswich River begins within Wilmington while the Shawsheen River forms part of its border with Billerica. Wilmington is also where the Baldwin apple variety was discovered.
Wilmington at a glance
- $11.41Residential tax rate per $1,000, FY2026
- $8,661Average single-family tax bill, FY2026
- MiddlesexCounty
- 1730Year incorporated
Wilmington's villages and zip codes
Wilmington uses ZIP code 01887.
| Area | Zip code | Where it is |
|---|---|---|
| Wilmington center | 01887 | Around the Wilmington Town Common and Rotary Park. |
| North Wilmington | 01887 | Served by the MBTA's North Wilmington Commuter Rail station on the Haverhill Line. |
| Silver Lake | 01887 | A neighborhood around Silver Lake, a kettle lake formed by retreating glaciers, with a town beach. |
Things to do in Wilmington, MA
Start with Silver Lake and Wilmington Town Common & Rotary Park, then 3 more below.
Silver Lake
A kettle lake formed by retreating glaciers, with a town beach and surrounding parkland.
Wilmington, MA
Wilmington Town Common & Rotary Park
Green space at the center of town.
Wilmington, MA
Shriners Auditorium
A 2,650-seat indoor venue used for concerts, conventions and other events.
Wilmington, MA
Baldwin Apple Monument
A marker commemorating Wilmington as the place the Baldwin apple was discovered.
Wilmington, MA
Wilmington Memorial Library
The town's public library.
Wilmington, MA
More worth a visit
- Ristuccia Memorial ArenaAn ice arena and former Boston Bruins practice facility.
A little history
Wilmington was first settled in 1665 and incorporated as a town in 1730.
The Baldwin apple variety was discovered in Wilmington.
Wilmington residents took part in the fighting connected to the events at Concord on April 19, 1775.
Parks, trails and outdoors in Wilmington
Much of Wilmington sits on or near wetlands, with Silver Lake as its main recreational water body and the Ipswich and Shawsheen rivers running through or along the town.
- Silver LakeSwimming, a town beach and shoreline parkland on a glacial kettle lake.
- Ipswich RiverThe river's headwaters are in Wilmington.
- Shawsheen RiverForms part of Wilmington's border with Billerica.
Walkability and getting around Wilmington
Wilmington's center around the Town Common has some sidewalks, but most of the town is laid out for driving between its village areas and highway corridors.
Drive times
- Boston
Approximate, without traffic.
By bus or train
MBTA Commuter Rail serves Wilmington at two stations: Wilmington Station on the Lowell Line and North Wilmington Station on the Haverhill Line. MBTA bus service also runs through town.
Wilmington property taxes
Wilmington's FY2026 residential tax rate is $11.41 per $1,000 of assessed value. Commercial, industrial and personal property pay $26.25. Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $1,141 a year. The average single-family tax bill was $8,661, on an average assessed value of $759,032.
Wilmington's FY2026 tax rates
$11.41per $1,000, residential
- Residential$11.41 per $1,000
- Commercial, industrial, personal property$26.25 per $1,000
- Average single-family assessed value$759,032
- Average single-family tax bill$8,661
- Motor vehicle excise (statewide)$25 per $1,000 of value
Source: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
How the residential rate has changed
| Fiscal year | Residential rate |
|---|---|
| FY2022 | $13.03 |
| FY2023 | $11.94 |
| FY2024 | $11.43 |
| FY2025 | $11.45 |
| FY2026 | $11.41 |
Look up a Wilmington property
- FEMA flood mapWhether a lender will require flood insurance
- Registry of DeedsDeeds and mortgages for the county
Buying a home in Wilmington
What we check on a Wilmington purchase: MassHousing limits, the flood map, the smoke certificate, wetlands.
Check the flood zone first
Much of Wilmington was built on or remains wetlands, and the Ipswich River (which begins in town) and the Shawsheen River (which forms part of the Billerica border) put some low-lying parcels in FEMA-mapped flood zones. We check FEMA's map before you offer.
FEMA's flood map for WilmingtonSmoke and CO certificate
Massachusetts requires the seller to get a smoke and carbon monoxide certificate from the Wilmington Fire Department before the sale closes.
Much of town was built on or near wetlands
Wilmington's land includes extensive wetlands, and the Ipswich River's headwaters and part of the Shawsheen River run through or along town. Buyers should check the FEMA flood map and local wetlands regulations for any specific property.
All loans are subject to credit approval, underwriting, and property and program requirements. MassHousing limits and eligibility are set by MassHousing and change from time to time.
Thinking about buying in Wilmington?
We're licensed in Massachusetts. Send us a Wilmington address and we'll run the numbers, taxes included.
Moving to Wilmington: utilities, trash and town hall
Who to call in Wilmington.
- Registry of Motor VehiclesUpdate your address with the RMV within 30 days. Excise tax goes to the city or town where the car is garaged.Mass. RMV
Town Hall offices and contacts
Wilmington Town Hall.
- Town HallMain line and website
- AssessorsProperty values and assessments.
- Tax CollectorProperty tax billing and payment.
- Town ClerkVital records, elections and licensing.
- Board of HealthTitle 5 septic inspections and well permits.
- Fire DepartmentFire prevention and smoke/CO certificates for home sales.
- Building DepartmentPermits and inspections.
- Department of Public WorksRoads, trash and recycling.
- Wilmington Memorial LibraryThe town's public library.
- Wilmington Public SchoolsThe town's school district.
Wilmington, MA FAQ: taxes and town services
What is the property tax rate in Wilmington, MA?
Wilmington's FY2026 residential tax rate is $11.41 per $1,000 of assessed value. Commercial, industrial and personal property pay $26.25. Massachusetts fiscal years run July 1 to June 30.
How much are property taxes on a $400,000 home in Wilmington?
Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $4,564 a year at $11.41 per $1,000. The bill uses the assessor's value, not the sale price.
Does Wilmington have a split tax rate?
Yes. Homes pay $11.41 per $1,000 and commercial, industrial and personal property pay $26.25.
What is the average single-family tax bill in Wilmington?
The average single-family tax bill in Wilmington was $8,661 for FY2026, on an average assessed value of $759,032.
What county is Wilmington, MA in?
Wilmington is in Middlesex County.
What ZIP code does Wilmington use?
Wilmington uses ZIP code 01887.
Is there a train station in Wilmington?
Yes. MBTA Commuter Rail serves Wilmington Station on the Lowell Line and North Wilmington Station on the Haverhill Line.
Which towns border Wilmington?
Wilmington borders Andover, North Reading, Reading, Woburn, Burlington, Billerica and Tewksbury.
Where was the Baldwin apple discovered?
The Baldwin apple variety was discovered in Wilmington.
Towns near Wilmington
Neighbors of Wilmington, including across the Connecticut line where it applies. All Massachusetts town guides.
Sources
- Wilmington, Massachusetts - Wikipedia: en.wikipedia.org
- Wilmington town center aerial photo, Wikimedia Commons: commons.wikimedia.org
- Tax rates and average single-family value and tax bill: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
- Motor vehicle excise: M.G.L. c. 60A, $25 per $1,000 of value statewide.
- Walkability: Walk Score®, provided live by Walk Score.
- Photo: Vinnyanabg, CC BY 4.0, via Wikimedia Commons.
- Checked September 25, 2026.