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Belchertown CDP, MA

ZIP 01007 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01007

Median Home Value
$350,400
Median Rent
$1,071
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,251/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

27.3 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 01007 in Belchertown CDP, MA, a household would need roughly $96,000 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 $2,251. That is roughly in line with the local median household income ($99,056). 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
84.1%+29% vs US avg
x
Vacancy Rate
2.1%-79% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
31.8%-17% vs US avg
x
$350,400
Home Value
$1,071
Rent
1984
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached3.2%
  • 2-9 units14.5%
  • 10+ units3.1%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$350,400
Median rent$1,071
Owner-occupied84.1%
Vacant2.1%
Price-to-income3.5x
Est. income to buy$96,000