61 Congress St, Fitchburg MA 01420

Fitchburg, MA 01420
$629,999
Est. $3,844/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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8
Beds
2
Baths
4,388
Sq Ft
$144
Price/Sq Ft
0.09
Acres
1900
Year Built
8
Parking
7 hours 50 minutes
Time on Market
For Sale Open House Listed Oct 6, 2026 • MLS# 73587349 Copied! • Updated Oct 6, 2026

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Open House Schedule

10
Oct
Saturday, October 10
11:00 AM - 12:00 PM EDT
11
Oct
Sunday, October 11
12:00 PM - 1:00 PM EDT

About this home

Prime investment opportunity near Fitchburg State University. This two-family property offers an attractive 3-bedroom first unit and a spacious 5-bedroom second unit, providing flexibility for investors, owner-occupants, or those seeking student-oriented rental potential.The second-floor unit features an updated bathroom, while off-street parking for up to 6 vehicles adds valuable convenience for residents and guests. With 8 bedrooms across two units, the property offers a versatile layout well suited to a variety of living arrangements and rental strategies.Its convenient location places residents close to Fitchburg State University, shopping, dining, services, and transportation. The proximity to campus makes this a particularly appealing opportunity for buyers seeking a multifamily property in an established rental market.Whether you're expanding an investment portfolio or looking for an owner-occupied property with additional rental income potential, this multifamily offers a strong combination of space, flexibility, and location. A great opportunity to own a substantial two-unit property in the Fitchburg area.

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Property History

Property Timeline

🏠
Listed for Sale
Oct 6, 2026
$629,999
Original listing
Agent: MG Group Office: Century 21 North East

Tax History

Year Taxes Assessment
2026 $5,503 $414,100

Financial Details

Annual Property Tax
$5,503
Tax Year 2026
Assessed Value
$414,100

Facts & Features

Home Facts

Type Residential Income
Style 2 Family - 2 Units Up/Down
Year Built 1900
Living Area 4,388 sq ft
Lot Size 0.09 acres
Stories 3
Bedrooms 8
Full Baths 2
Total Rooms 15

Investment Metrics

Units 2
Unit 1 Rent $1,900/mo · Y
Unit 2 Rent $2,800/mo · N
Total Monthly Rent $4,700/mo
Gross Income $56,400
Net Operating Income $56,400
Cap Rate 8.95%
Heating Natural Gas
Cooling Window Unit(s)
Flooring Wood, Vinyl
Appliances None
Fireplace None
Basement Unfinished
Laundry Gas Dryer Hookup
Features None
Construction Frame
Architecture None
Roof Slate
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch
Features Paved Drive, Off Street, Tandem, Driveway
Total Spaces 8
Electric 200+ Amp Service
Water Public
Sewer Public Sewer
Gas None
Other For Gas Range, For Gas Oven, For Gas Dryer

Financial

Annual Tax $5,503
Assessed Value $414,100
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures None
Possession None
Accepted Financing None
Structure Type []
House Color White
Sq Ft Source Owner
Sq Ft Disclosures Includes finished attic
Documents None
County Worcester

Property Overview

Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1900
Bedrooms
8
Full Bathrooms
2
Living Area
4,388 sq ft
Total Rooms
15
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Wood, Vinyl
Appliances:
Interior Features:
Windows:
Basement: Unfinished
Laundry: Gas Dryer Hookup
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials: Frame
Roof: Slate
Foundation: Irregular
Stories: 3

Heating, Cooling & Utilities

Heating: Natural Gas
Cooling: Window Unit(s)
Hot Water: Leased Heater
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch: Porch
Fencing:
Other Structures:
Lot Features: Corner Lot
Road Surface:

Parking & Garage

Total Parking Spaces: 8
Parking Features: Paved Drive, Off Street, Tandem, Driveway
School District
Fitchburg School District local
C+
⚠ School Safety 2024-25
8.1% Above Average
4.6% Suspensions 4.6% In-School 3.5% Emergency
↑ 2.6% above state avg
E

Elementary Schools

3 schools
C
McKay Elementary School
0.7 mi | #658 of 825 | Score: 37.9
Improved 73 spots from last year
-20.3 below state avg
736 students Diverse
Rising School
Grades 01-05
St. Bernard Elementary School
0.8 mi
Grades PK-08
C-
South Street Early Learning Center
1.0 mi | #697 of 825 | Score: 48.1
Same rank as last year
Limited historical data for year-over-year comparison
569 students Diverse
Diverse Student Body
Grades PK-K
M

Middle Schools

3 schools
D
Arthur M Longsjo Middle School
0.6 mi | #328 of 352 | Score: 28.6
Improved 12 spots from last year
-29.6 below state avg
577 students Diverse
Grades 06-08
C
Memorial Middle School
1.5 mi | #280 of 352 | Score: 33.8
Dropped 10 spots from last year
-24.4 below state avg
620 students Diverse
Diverse Student Body
Grades 06-08
B+
Lunenburg Middle School
3.6 mi | #127 of 352 | Score: 46.8
Improved 7 spots from last year
-11.4 below state avg
382 students Moderate
Grades 06-08
H

High Schools

3 schools
St. Bernard's Central Catholic High School
0.5 mi
Grades 09-12
C-
Goodrich Academy
0.6 mi | #23 of 25 | Score: 22.0
Improved 363 spots from last year
-36.2 below state avg
101 students Diverse
Rising School
Grades 09-12
Notre Dame Preparatory High School
0.8 mi
Grades 09-12
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Monthly Payment Calculator

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After down payment
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $459
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

Rate Impact

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Current Rate
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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

61 Congress St, Fitchburg MA 01420

Fitchburg, MA 01420

Listing Information

Listing Agent MG Group
Listing Office Century 21 North East
Office Phone 617-389-1129
Agent MLS ID TM340461
Office MLS ID AN4345
Listing Data Updated Oct 6, 2026 6:08 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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