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City · 16,086 residents · Hampshire County, Massachusetts

Easthampton , Massachusetts

In Easthampton, a typical home is worth $371,500 and typical rent is $1,292 a month. Compared with all of Hampshire County, typical household income is 18% lower, typical rent is 7% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $371,500

    5% below the county

    34% below Massachusetts

    • Easthampton
    • Hampshire
    • Massachusetts

  • Typical rent

    $1,292a month

    7% below the county

    27% below Massachusetts

    • Easthampton
    • Hampshire
    • Massachusetts

  • Typical household income

    $71,673a year

    18% below the county

    31% below Massachusetts

    • Easthampton
    • Hampshire
    • Massachusetts

  • Households that own their home

    58%

    9 points below the county

    4 points below Massachusetts

    • Easthampton
    • Hampshire
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$432,622
2.4% more than 12 months ago
Typical rent
$2,133 a month

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

Easthampton is in Hampshire 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 Hampshire County. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Easthampton apart

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

  1. Nearby, in Holyoke, the typical home value is $274,100: 26% less than in Easthampton ($371,500).

  2. Nearby, in Holyoke, the typical rent is $1,021: 21% less than in Easthampton ($1,292).

  3. The typical household income in Easthampton is $71,673, 18% less than in Hampshire County as a whole ($87,001).

  4. 58% of households in Easthampton own their home, against 68% in Hampshire County.

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

The homes here

Housing in Easthampton

What homes there are in Easthampton, 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 Easthampton there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%); in Hampshire County, 59%.

Year built

By age, homes in Easthampton look like those in Hampshire County: the typical year built is 1966.

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

$2,123 a month

Hampshire County: $2,256 a month

Without a mortgage

$817 a month

Hampshire County: $925 a month

Owners with a mortgage

62%

Hampshire County: 60%

In Easthampton, 62% of owners have a mortgage, and their typical cost is $2,123 a month, against $2,256 in Hampshire County. Without one it drops to $817.

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

Easthampton does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Hampshire County the typical home value rose 38%.

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

MeasureEasthamptonHampshire CountyMassachusettsUnited States
Rental vacancy Unreliable estimate6.5%3.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate1.1%2.3%3.4%
People per household 2.082.242.442.53
Drive alone 71%65%61%69%
Carpool Unreliable estimate5%7%9%
Public transit Unreliable estimate3%7%3%
Walk or bike 5%8%5%3%
Work from home 19%18%19%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.08 on average, against 2.24 in Hampshire County.

In Easthampton, 71% of workers drive alone to work; in Hampshire County, 65%.

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 Easthampton?

A typical home costs more than the typical income allows

We start with a typical home in Easthampton, worth $371,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Easthampton, which is $71,673 a year. For that payment to be 28% of income, a household would need to earn about $137,226 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Easthampton. 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 $13,003 (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

$3,202

at 7.18% · 30 years

Loan amount
$364,771
Total interest
$524,819
Paid off in
November 2056

Includes $6,274 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,672 a month

  • Tight

    $1,672 to $2,150 a month

  • Hard

    more than $2,150 a month

    Your payment · 54%

Compared with the typical household income in Easthampton ($71,673 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,202
Principal & interest$2,471
Property tax$412
Home insurance$155
FHA mortgage insurance (MIP)$164

You need at least $13,003 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

Easthampton and Hampshire County

Easthampton is in Hampshire 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).

Easthampton's own numbers

Typical home value
$371,500
Typical monthly rent
$1,292
Typical yearly household income
$71,673
Households that own their home
58%
Effective property tax rate
1.33%

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

Numbers for all of Hampshire County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,034
Price change over 5 years (FHFA)
+52%

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 Hampshire County.

Everything about Hampshire County

Buying

Buying a home in Easthampton

A typical home in Easthampton is worth $371,500: 5% below the county and 34% below Massachusetts. With the typical household income in Easthampton ($71,673 a year), a typical home costs 5.2 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.

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

How prices have changed in Hampshire County

According to FHFA’s house price index, home prices in Hampshire County rose 78% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +6.0% +3.7% +2.9%
5 years (2020–2025) +52% +49% +47%
10 years (2015–2025) +78% +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

Easthampton next to Hampshire 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
  • Easthampton $371,500
  • Hampshire $390,300
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Easthampton $1,292
  • Hampshire $1,388
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Easthampton $71,673
  • Hampshire $87,001
  • Massachusetts $103,960
  • United States $80,734
See the full table
Easthampton next to Hampshire County and Massachusetts
Measure Easthampton Hampshire County Massachusetts U.S.
Typical home value $371,500 $390,300 $562,100 $332,700
Typical monthly rent $1,292 $1,388 $1,762 $1,413
Typical yearly household income $71,673 $87,001 $103,960 $80,734
Households that own their home 58% 68% 63% 65%
Typical yearly property tax $4,932 $5,589 $5,992 $3,119
Effective property tax rate 1.33% 1.43% 1.07% 0.94%
Renters with high rent for their income 46% 57% 52% 51%

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

For a typical $371,500 home in Easthampton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Easthampton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,202a month

    Least cash to close
    Down payment
    $13,003
    Cash to close
    $24,148
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $3,134a month

    Down payment
    $18,575
    Cash to close
    $29,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,580a month

    Down payment
    $74,300
    Cash to close
    $85,445
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,923a month

    Down payment
    $55,725
    Cash to close
    $66,870
    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 Easthampton and for Hampshire County.

Property tax

Effective rate in Easthampton

1.33%of the home’s value each year

$4,932 a year for the typical owner in Easthampton.

  • Easthampton 1.33%
  • Hampshire 1.43%
  • Massachusetts 1.07%

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

Exemptions and deadlines in Massachusetts

Flood risk in Hampshire County

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

FEMA’s maps count no homes in the high-risk zone in Hampshire County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Easthampton

Typical rent in Easthampton is $1,292 a month: 7% below the county. In Easthampton, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hampshire County, by unit size. To pay the 2-bedroom one ($2,034 a month) without spending more than 30% of your income, you would need to earn $39.12 an hour working full time.

HUD fair market rent for all of Hampshire 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 $1,416 $27.23 $56,640
1 bedroom $1,593 $30.63 $63,720
2 bedrooms $2,034 $39.12 $81,360
3 bedrooms $2,663 $51.21 $106,520
4 bedrooms $2,768 $53.23 $110,720

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

Low-income apartments

Low-income apartments in Easthampton

HUD lists 7 buildings with rents for lower incomes in Easthampton. These are the largest.

  • Cottage Square 15 Cottage St, Easthampton 63 low-income homes · 1 bd: 8 · 2 bd: 46 · 3 bd: 9 · In service since 2015 · For families
  • Treehouse at Easthampton Meadow 1 Treehouse Cir, Easthampton 60 homes, 54 low-income · 1 bd: 48 · 3 bd: 4 · 4 bd: 8 · In service since 2006 · For older adults, families
  • Cottage Square 15 Cottage St, Easthampton 50 low-income homes · 1 bd: 11 · 2 bd: 30 · 3 bd: 9 · In service since 2015 · For families
  • College Highway Apts 391 Main St, Easthampton 01027 40 low-income homes · For people with disabilities
  • Orchard View 108 Everett St, Easthampton 01027 40 low-income homes · For older adults

See all 39 buildings in Hampshire County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Easthampton

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 is 1 HUD-approved agency with an office in Hampshire County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Easthampton

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

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

  • Valley Community Development Corporation

    256 Pleasant St Ste A, Northampton · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    413-586-5855x180

  • Holyoke Housing Authority

    475 Maple St, Holyoke · 5 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (413) 539-2202

  • Way Finders, Inc.

    1780 Main St, Springfield · 12 miles away · Spanish

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

Every agency in Hampshire County All counseling agencies in Massachusetts

Help in Spanish near Easthampton

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 Easthampton

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

3 other authorities have an office in Hampshire County: see the list Source: HUD

Cities

Other cities in Hampshire County

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

Everything about Hampshire County Housing in Massachusetts

Nearby cities

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

Neighboring counties

If Hampshire 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 Easthampton.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Easthampton

Short answers with the numbers for Easthampton and all of Hampshire 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 Easthampton?

The typical home value in Easthampton is $371,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hampshire County it is $390,300.

How much does it cost to rent in Easthampton?

Typical rent in Easthampton is $1,292 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hampshire County is $2,034.

What is the FHA loan limit in Easthampton?

Easthampton uses the FHA limit for all of Hampshire 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 Easthampton?

The typical homeowner in Easthampton pays $4,932 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Hampshire County, the rate is 1.43%.

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

There is 1 HUD-approved counseling agency with an office in Hampshire 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); 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).