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Amherst Town city, MA

ZIP 01002 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01002

Median Home Value
$449,000
Median Rent
$1,392
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,884/mo PITI).

24%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 01002 in Amherst Town city, MA, a household would need roughly $124,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,884. That is about 79% above the local median household income ($69,411), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.7%-26% vs US avg
x
Vacancy Rate
12.4%+20% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
41.5%-16% vs US avg
x
Mortgage-Free
46.0%+20% vs US avg
x
$449,000
Home Value
$1,392
Rent
1974
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached45.7%
  • 1-unit attached6.3%
  • 2-9 units26.5%
  • 10+ units21.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$449,000
Median rent$1,392
Owner-occupied48.7%
Vacant12.4%
Price-to-income6.5x
Est. income to buy$124,000