US5.com
  1. Home
  2. States
  3. Massachusetts
  4. ZIP 01053
  5. Housing & Real Estate
Northampton city, MA

ZIP 01053 — 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 01053

Median Home Value
$345,600
Median Rent
$1,557
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,220/mo PITI).

21%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.5 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 01053 in Northampton city, MA, a household would need roughly $95,000 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 $2,220. That is roughly in line with the local median household income ($88,646). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
40.4%+6% vs US avg
x
$345,600
Home Value
$1,557
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached57.0%
  • 1-unit attached9.0%
  • 2-9 units25.4%
  • 10+ units8.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$345,600
Median rent$1,557
Owner-occupied76.7%
Vacant3.5%
Price-to-income3.9x
Est. income to buy$95,000