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Adams CDP, MA

ZIP 01220 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01220

Median Home Value
$199,800
Median Rent
$759
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,283/mo PITI).

16%
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.

21.9 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 01220 in Adams CDP, MA, a household would need roughly $55,000 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 $1,283. That is roughly in line with the local median household income ($56,285). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.7%-6% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
5.4%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
50.2%+31% vs US avg
x
$199,800
Home Value
$759
Rent
1938
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 detached48.9%
  • 1-unit attached1.8%
  • 2-9 units38.5%
  • 10+ units10.1%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$199,800
Median rent$759
Owner-occupied61.7%
Vacant10.6%
Price-to-income3.5x
Est. income to buy$55,000