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Westfield city, MA

ZIP 01085 — 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 01085

Median Home Value
$296,300
Median Rent
$943
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,903/mo PITI).

14%
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.

26.2 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 01085 in Westfield city, MA, a household would need roughly $82,000 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 $1,903. That is roughly in line with the local median household income ($83,821). 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
68.6%+5% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$296,300
Home Value
$943
Rent
1965
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 detached60.1%
  • 1-unit attached3.4%
  • 2-9 units24.9%
  • 10+ units8.4%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$296,300
Median rent$943
Owner-occupied68.6%
Vacant6.2%
Price-to-income3.5x
Est. income to buy$82,000