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Westfield city, MA

ZIP 01077 — 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 01077

Median Home Value
$375,700
Median Rent
$1,058
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,413/mo PITI).

12%
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.

29.6 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 01077 in Westfield city, MA, a household would need roughly $103,000 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 $2,413. That is roughly in line with the local median household income ($108,833). 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
81.3%+24% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$375,700
Home Value
$1,058
Rent
1981
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached74.9%
  • 1-unit attached7.6%
  • 2-9 units11.7%
  • 10+ units5.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$375,700
Median rent$1,058
Owner-occupied81.3%
Vacant8.4%
Price-to-income3.5x
Est. income to buy$103,000