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City · 5,325 residents · Norfolk County, Massachusetts

Bellingham , Massachusetts

In Bellingham, a typical home is worth $431,200 and typical rent is $2,009 a month. Compared with all of Norfolk County, the typical home value is 37% lower and typical household income is 26% lower.

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  • Typical home value

    $431,200

    37% below the county

    23% below Massachusetts

    • Bellingham
    • Norfolk
    • Massachusetts

  • Typical rent

    $2,009a month

    7% below the county

    14% above Massachusetts

    • Bellingham
    • Norfolk
    • Massachusetts

  • Typical household income

    $96,763a year

    26% below the county

    7% below Massachusetts

    • Bellingham
    • Norfolk
    • Massachusetts

  • Households that own their home

    69%

    About the same as the county

    6 points above Massachusetts

    • Bellingham
    • Norfolk
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$540,458
2.2% more than 12 months ago
Typical rent
$2,519 a month
0.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bellingham is in Norfolk County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Norfolk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bellingham apart

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

  1. Bellingham has the 4th largest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (75%).

  2. Nearby, in Whitinsville, the typical rent is $1,197: 40% less than in Bellingham ($2,009).

  3. The typical home in Bellingham is worth $431,200, 37% less than in Norfolk County as a whole ($683,900).

  4. The typical household income in Bellingham is $96,763, 26% less than in Norfolk County as a whole ($130,739).

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

The homes here

Housing in Bellingham

What homes there are in Bellingham, 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

In Bellingham, 6 in 10 homes are single-family detached houses; in Norfolk County, 6.

Year built

The typical home in Bellingham was built in 1975, 11 years after the typical one in Norfolk 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
Monthly rent with utilities

With a mortgage

$2,257 a month

Norfolk County: $3,171 a month

Without a mortgage

$844 a month

Norfolk County: $1,222 a month

Owners with a mortgage

69%

Norfolk County: 67%

Owning costs less in Bellingham: with a mortgage, the typical cost is $2,257 a month; in Norfolk County, $3,171. Without one, $844.

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

From 2015–2019 to 2020–2024, the typical home value in Bellingham rose 55%; in Norfolk County, it rose 45%.

Rents in Bellingham rose faster than in Norfolk County: 53% since 2015–2019, against 35%.

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

MeasureBellinghamNorfolk CountyMassachusettsUnited States
Rental vacancy Unreliable estimate4.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room Unreliable estimate2.0%2.3%3.4%
People per household 2.462.512.442.53
Drive alone 73%57%61%69%
Carpool Unreliable estimate6%7%9%
Public transit Unreliable estimate9%7%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 18%23%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Bellingham has 2.46 people on average, about the same as in Norfolk County (2.51).

To get to work, 73% of workers in Bellingham drive alone; in Norfolk County, 57%.

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 Bellingham?

A typical home costs more than the typical income allows

We start with a typical home in Bellingham, worth $431,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Bellingham, which is $96,763 a year. For that payment to be 28% of income, a household would need to earn about $154,812 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bellingham. 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 $15,092 (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

$3,612

at 7.18% · 30 years

Loan amount
$423,390
Total interest
$609,159
Paid off in
November 2056

Includes $7,282 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,258 a month

  • Tight

    $2,258 to $2,903 a month

  • Hard

    more than $2,903 a month

    Your payment · 45%

Compared with the typical household income in Bellingham ($96,763 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,612
Principal & interest$2,868
Property tax$374
Home insurance$180
FHA mortgage insurance (MIP)$191

You need at least $15,092 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

Bellingham and Norfolk County

Bellingham is in Norfolk 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).

Bellingham's own numbers

Typical home value
$431,200
Typical monthly rent
$2,009
Typical yearly household income
$96,763
Households that own their home
69%
Effective property tax rate
1.04%

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

Numbers for all of Norfolk County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,409–$3,008
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
2.2%

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 Norfolk County.

Everything about Norfolk County

Buying

Buying a home in Bellingham

A typical home in Bellingham is worth $431,200: 37% below the county and 23% below Massachusetts. With the typical household income in Bellingham ($96,763 a year), a typical home costs 4.5 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.

  • Bellingham 4.5 years
  • Norfolk 5.2 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Norfolk County

According to FHFA’s house price index, home prices in Norfolk County rose 80% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +3.0% +3.7% +2.9%
5 years (2020–2025) +45% +49% +47%
10 years (2015–2025) +80% +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

Bellingham next to Norfolk 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
  • Bellingham $431,200
  • Norfolk $683,900
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Bellingham $2,009
  • Norfolk $2,149
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Bellingham $96,763
  • Norfolk $130,739
  • Massachusetts $103,960
  • United States $80,734
See the full table
Bellingham next to Norfolk County and Massachusetts
Measure Bellingham Norfolk County Massachusetts U.S.
Typical home value $431,200 $683,900 $562,100 $332,700
Typical monthly rent $2,009 $2,149 $1,762 $1,413
Typical yearly household income $96,763 $130,739 $103,960 $80,734
Households that own their home 69% 69% 63% 65%
Typical yearly property tax $4,477 $7,261 $5,992 $3,119
Effective property tax rate 1.04% 1.06% 1.07% 0.94%
Renters with high rent for their income 75% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Norfolk 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 Bellingham

For a typical $431,200 home in Bellingham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellingham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,612a month

    Least cash to close
    Down payment
    $15,092
    Cash to close
    $28,028
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $191

  • Conventional, 5% down $3,533a month

    Down payment
    $21,560
    Cash to close
    $34,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $205

  • Conventional, 20% down, no PMI $2,890a month

    Down payment
    $86,240
    Cash to close
    $99,176
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,289a month

    Down payment
    $64,680
    Cash to close
    $77,616
    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 Bellingham and for Norfolk County.

Property tax

Effective rate in Bellingham

1.04%of the home’s value each year

$4,477 a year for the typical owner in Bellingham.

  • Bellingham 1.04%
  • Norfolk 1.06%
  • Massachusetts 1.07%

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

Exemptions and deadlines in Massachusetts

Flood risk in Norfolk County

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

Homes in the high-risk zone
2.2%
4,629
Of those, with NFIP insurance
43%
County Massachusetts U.S.
Homes in the high-risk zone 2.2% 3% 3.5%
Of those, with NFIP insurance 43% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bellingham

Typical rent in Bellingham is $2,009 a month: 7% below the county. In Bellingham, 75% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Norfolk County; Bellingham is in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. To pay the 2-bedroom one ($3,008 a month) without spending more than 30% of your income, you would need to earn $57.85 an hour working full time.

Fair market rent by size in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

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 $2,440 $46.92 $97,600
1 bedroom $2,518 $48.42 $100,720
2 bedrooms $3,008 $57.85 $120,320
3 bedrooms $3,584 $68.92 $143,360
4 bedrooms $3,953 $76.02 $158,120

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $2,409 to $3,008. The table by area, below, shows which one each town is in.

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

Fair market rent by HUD area in Norfolk County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area The area where most people liveBellingham is in this area
27 towns in this area

Bellingham town, Braintree Town city, Brookline town, Canton town, Cohasset town, Dedham town, Dover town, Foxborough town, Franklin Town city, Holbrook town, Medfield town, Medway town, Millis town, Milton town, Needham town, Norfolk town, Norwood town, Plainville town, Quincy city, Randolph city, Sharon town, Stoughton town, Walpole town, Wellesley town, Westwood town, Weymouth Town city, Wrentham town

 $2,440$2,518$3,008$3,584$3,953$57.85
Brockton, MA HUD Metro FMR Area
1 town in this area

Avon town

 $1,678$1,842$2,409$3,015$3,166$46.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Bellingham

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellingham is in ZIP code 02019.

For 2 bedrooms it is $2,650.

  • 02019 $2,650$3,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bellingham 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 Bellingham

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 2 HUD-approved agencies with an office in Norfolk County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Bellingham

No down payment, repair or rent-help program on our list is for Bellingham or Norfolk County. The ones below are statewide in Massachusetts: they work in Bellingham 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 Bellingham

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

  • NSC (naca Counseling Subsidiary) - Worcester, MA

    652 Park Ave, Worcester · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (602) 627-6222

  • Rcap Solutions, Inc.

    191 May St, Worcester · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (978) 630-6772

  • American Consumer Credit Counseling

    130 Rumford Ave Ste 202, Auburndale · 22 miles away

    • Reverse mortgage counseling
    (800) 769-3571

Every agency in Norfolk County All counseling agencies in Massachusetts

Help in Spanish near Bellingham

2 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 Bellingham

In HUD’s record, no housing authority with an office in Norfolk County is named for Bellingham or Norfolk County.

14 other authorities have an office in Norfolk County: see the list Source: HUD

Cities

Other cities in Norfolk County

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

Everything about Norfolk County Housing in Massachusetts
See 4 more cities in Norfolk County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Bellingham, with the typical home value.

Neighboring counties

If Norfolk 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 Bellingham.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Bellingham

Short answers with the numbers for Bellingham and all of Norfolk 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 Bellingham?

The typical home value in Bellingham is $431,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Norfolk County it is $683,900.

How much does it cost to rent in Bellingham?

Typical rent in Bellingham is $2,009 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Norfolk County is $2,409–$3,008.

What is the FHA loan limit in Bellingham?

Bellingham uses the FHA limit for all of Norfolk County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Bellingham?

The typical homeowner in Bellingham pays $4,477 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Norfolk County, the rate is 1.06%.

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

There are 2 HUD-approved counseling agencies with an office in Norfolk County. 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).