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City · 28,539 residents · Hampden County, Massachusetts

Agawam Town , Massachusetts

In Agawam Town, a typical home is worth $311,600 and typical rent is $1,256 a month. Compared with all of Hampden County, typical household income is 20% higher, typical rent is 11% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $311,600

    4% above the county

    45% below Massachusetts

    • Agawam Town
    • Hampden
    • Massachusetts

  • Typical rent

    $1,256a month

    11% above the county

    29% below Massachusetts

    • Agawam Town
    • Hampden
    • Massachusetts

  • Typical household income

    $85,421a year

    20% above the county

    18% below Massachusetts

    • Agawam Town
    • Hampden
    • Massachusetts

  • Households that own their home

    74%

    12 points above the county

    12 points above Massachusetts

    • Agawam Town
    • Hampden
    • Massachusetts

Source: U.S. Census Bureau, Average 2020–2024

Agawam Town is in Hampden County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hampden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Agawam Town apart

What this place has that others do not, from public data, most unusual first.

  1. Agawam Town has the 6th smallest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (40%).

  2. Nearby, in Springfield, the typical home value is $245,000: 21% less than in Agawam Town ($311,600).

  3. 74% of households in Agawam Town own their home, against 62% in Hampden County.

  4. The typical household income in Agawam Town is $85,421, 20% more than in Hampden County as a whole ($71,306).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Agawam Town

What homes there are in Agawam Town, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Agawam Town: 65% of homes, more than in Hampden County (56%).

Year built

Homes in Agawam Town are newer: the typical year built is 1970; in Hampden County, 1959.

There is more room for a big family here: 61% of homes have 3 bedrooms or more, against 57% in Hampden County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Agawam Town sit under the FHA limit for Hampden County ($541,287): about 92%.

Monthly rent with utilities

With a mortgage

$2,081 a month

Hampden County: $1,966 a month

Without a mortgage

$802 a month

Hampden County: $824 a month

Owners with a mortgage

61%

Hampden County: 64%

In Agawam Town, 61% of owners have a mortgage, and their typical cost is $2,081 a month, against $1,966 in Hampden County. Without one it drops to $802.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Agawam Town rose 35% since 2015–2019, less than in Hampden County (44%).

Rents in Agawam Town rose more slowly than in Hampden County: 14% since 2015–2019, against 25%.

The typical household income in Agawam Town rose 24% over that time; home values changed +35% and rent +14%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAgawam TownHampden CountyMassachusettsUnited States
Rental vacancy Unreliable estimate3.7%3.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.6%0.9%
More than one person per room Unreliable estimate1.8%2.3%3.4%
People per household 2.342.442.442.53
Drive alone 81%76%61%69%
Carpool 6%8%7%9%
Public transit Unreliable estimate2%7%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 11%11%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Agawam Town look like those in Hampden County: 2.34 people on average.

To get to work, 81% of workers in Agawam Town drive alone; in Hampden County, 76%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Agawam Town?

A typical home costs more than the typical income allows

We start with a typical home in Agawam Town, worth $311,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Agawam Town, which is $85,421 a year. For that payment to be 28% of income, a household would need to earn about $115,434 a year.

The calculator's FHA and conventional loan limits are those of all of Hampden County.

Your numbers

Local data
$

Starts at the typical home value in Agawam Town. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,906 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,693

at 7.18% · 30 years

Loan amount
$305,956
Total interest
$440,199
Paid off in
November 2056

Includes $5,262 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,993 a month

  • Tight

    $1,993 to $2,563 a month

  • Hard

    more than $2,563 a month

    Your payment · 38%

Compared with the typical household income in Agawam Town ($85,421 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,693
Principal & interest$2,073
Property tax$353
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,906 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Agawam Town and Hampden County

Agawam Town is in Hampden County, Massachusetts. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Agawam Town's own numbers

Typical home value
$311,600
Typical monthly rent
$1,256
Typical yearly household income
$85,421
Households that own their home
74%
Effective property tax rate
1.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hampden County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,800
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hampden County.

Everything about Hampden County

Buying

Buying a home in Agawam Town

A typical home in Agawam Town is worth $311,600: 4% above the county and 45% below Massachusetts. With the typical household income in Agawam Town ($85,421 a year), a typical home costs 3.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Agawam Town 3.6 years
  • Hampden 4.2 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hampden County

According to FHFA’s house price index, home prices in Hampden County rose 84% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hampden County.

Period County Massachusetts U.S.
Last year (2025) +5.3% +3.7% +2.9%
5 years (2020–2025) +53% +49% +47%
10 years (2015–2025) +84% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Agawam Town next to Hampden County, Massachusetts and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Agawam Town $311,600
  • Hampden $298,800
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Agawam Town $1,256
  • Hampden $1,136
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Agawam Town $85,421
  • Hampden $71,306
  • Massachusetts $103,960
  • United States $80,734
See the full table
Agawam Town next to Hampden County and Massachusetts
Measure Agawam Town Hampden County Massachusetts U.S.
Typical home value $311,600 $298,800 $562,100 $332,700
Typical monthly rent $1,256 $1,136 $1,762 $1,413
Typical yearly household income $85,421 $71,306 $103,960 $80,734
Households that own their home 74% 62% 63% 65%
Typical yearly property tax $4,241 $4,455 $5,992 $3,119
Effective property tax rate 1.36% 1.49% 1.07% 0.94%
Renters with high rent for their income 40% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hampden County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Agawam Town

For a typical $311,600 home in Agawam Town, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Agawam Town's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,693a month

    Least cash to close
    Down payment
    $10,906
    Cash to close
    $20,254
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,636a month

    Down payment
    $15,580
    Cash to close
    $24,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,172a month

    Down payment
    $62,320
    Cash to close
    $71,668
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,460a month

    Down payment
    $46,740
    Cash to close
    $56,088
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Agawam Town and for Hampden County.

Property tax

Effective rate in Agawam Town

1.36%of the home’s value each year

$4,241 a year for the typical owner in Agawam Town.

  • Agawam Town 1.36%
  • Hampden 1.49%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Hampden County

FEMA does not publish these numbers by city: they are for all of Hampden County.

Homes in the high-risk zone
1%
1,130
Of those, with NFIP insurance
26%
County Massachusetts U.S.
Homes in the high-risk zone 1% 3% 3.5%
Of those, with NFIP insurance 26% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Agawam Town

Typical rent in Agawam Town is $1,256 a month: 11% above the county. In Agawam Town, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hampden County, by unit size. To pay the 2-bedroom one ($1,800 a month) without spending more than 30% of your income, you would need to earn $34.62 an hour working full time.

HUD fair market rent for all of Hampden County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,264 $24.31 $50,560
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,800 $34.62 $72,000
3 bedrooms $2,241 $43.10 $89,640
4 bedrooms $2,370 $45.58 $94,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Agawam Town

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Agawam Town has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,750 in 01030 to $1,930 in 01001.

1 of the 2 is above the fair market rent for Hampden County ($1,800).

  • 01001 $1,930$2,400
  • 01030 $1,750$2,180

A ZIP code counts for Agawam Town when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Agawam Town

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Hampden County; 4 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Agawam Town

No down payment, repair or rent-help program on our list is for Agawam Town or Hampden County. The ones below are statewide in Massachusetts: they work in Agawam Town the same as in the rest of the state.

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near Agawam Town

The HUD-approved agencies closest to the center of Agawam Town, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Cambridge Credit Counseling Corporation

    67 Hunt St, Agawam · 3 miles away · Spanish

    Also serves in Polish.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 757-1788

  • Way Finders, Inc.

    1780 Main St, Springfield · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (413) 233-1500

  • Springfield Partners for Community Action

    721 State Street, 2nd Floor, Springfield · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    413-263-6500-6500

Every agency in Hampden County All counseling agencies in Massachusetts

Help in Spanish near Agawam Town

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Agawam Town

In HUD’s record, no housing authority with an office in Hampden County is named for Agawam Town or Hampden County.

5 other authorities have an office in Hampden County: see the list Source: HUD

Cities

Other cities in Hampden County

These cities are also in Hampden County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hampden County Housing in Massachusetts

Nearby cities

The cities closest to Agawam Town, with the typical home value.

Neighboring counties

If Hampden County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Agawam Town.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Agawam Town

Short answers with the numbers for Agawam Town and all of Hampden County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Agawam Town?

The typical home value in Agawam Town is $311,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hampden County it is $298,800.

How much does it cost to rent in Agawam Town?

Typical rent in Agawam Town is $1,256 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hampden County is $1,800.

What is the FHA loan limit in Agawam Town?

Agawam Town uses the FHA limit for all of Hampden County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Agawam Town?

The typical homeowner in Agawam Town pays $4,241 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Hampden County, the rate is 1.49%.

Where can I find free help to buy or rent in Agawam Town?

There are 4 HUD-approved counseling agencies with an office in Hampden County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).