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Wilbraham CDP, MA

ZIP 01095 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01095

Median Home Value
$383,200
Median Rent
$728
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,462/mo PITI).

7%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

43.9 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 01095 in Wilbraham CDP, MA, a household would need roughly $106,000 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 $2,462. That sits below the local median household income ($124,682), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
90.3%+38% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$383,200
Home Value
$728
Rent
1964
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached83.7%
  • 1-unit attached2.2%
  • 2-9 units8.3%
  • 10+ units5.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$383,200
Median rent$728
Owner-occupied90.3%
Vacant5.3%
Price-to-income3.1x
Est. income to buy$106,000