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City · 15,696 residents · Hampden County, Massachusetts

Longmeadow , Massachusetts

In Longmeadow, a typical home is worth $454,100 and typical rent is $1,682 a month. Compared with all of Hampden County, typical household income is 110% higher, the typical home value is 52% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $454,100

    52% above the county

    19% below Massachusetts

    • Longmeadow
    • Hampden
    • Massachusetts

  • Typical rent

    $1,682a month

    48% above the county

    5% below Massachusetts

    • Longmeadow
    • Hampden
    • Massachusetts

  • Typical household income

    $149,601a year

    110% above the county

    44% above Massachusetts

    • Longmeadow
    • Hampden
    • Massachusetts

  • Households that own their home

    90%

    28 points above the county

    28 points above Massachusetts

    • Longmeadow
    • Hampden
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$535,122
4.7% more than 12 months ago

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

Longmeadow 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 Longmeadow apart

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

  1. 90% of households in Longmeadow own their home, against 62% in Hampden County.

  2. The typical household income in Longmeadow is $149,601, 110% more than in Hampden County as a whole ($71,306).

  3. The typical home in Longmeadow is worth $454,100, 52% more than in Hampden County as a whole ($298,800).

  4. Nearby, in Springfield, the typical home value is $245,000: 46% less than in Longmeadow ($454,100).

  5. The typical rent in Longmeadow is $1,682 a month, 48% more than in Hampden County as a whole ($1,136).

  6. Nearby, in Westfield, the typical rent is $1,117: 34% less than in Longmeadow ($1,682).

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

The homes here

Housing in Longmeadow

What homes there are in Longmeadow, 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

Detached houses, standing on their own, make up 89% of homes here, against 56% in Hampden County.

Year built

In Longmeadow, half of the homes were built before 1957; in Hampden County, before 1959.

There is more room for a big family here: 85% 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
Monthly rent with utilities

With a mortgage

$2,929 a month

Hampden County: $1,966 a month

Without a mortgage

$1,300 a month

Hampden County: $824 a month

Owners with a mortgage

68%

Hampden County: 64%

In Longmeadow, 68% of owners have a mortgage, and their typical cost is $2,929 a month, against $1,966 in Hampden County. Without one it drops to $1,300.

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 Longmeadow rose 32% since 2015–2019, less than in Hampden County (44%).

Rent in Longmeadow moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureLongmeadowHampden 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 2.702.442.442.53
Drive alone 70%76%61%69%
Carpool Unreliable estimate8%7%9%
Public transit Unreliable estimate2%7%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 25%11%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.70 on average, against 2.44 in Hampden County.

Working from home is more common in Longmeadow: 25%, against 11% in Hampden County.

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 Longmeadow?

A typical home is tight for the typical income

We start with a typical home in Longmeadow, worth $454,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Longmeadow, which is $149,601 a year. For that payment to be 28% of income, a household would need to earn about $179,089 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 Longmeadow. 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 $15,894 (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

$4,179

at 7.18% · 30 years

Loan amount
$445,875
Total interest
$641,509
Paid off in
November 2056

Includes $7,669 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,491 a month

  • Tight

    $3,491 to $4,488 a month

    Your payment · 34%

  • Hard

    more than $4,488 a month

Compared with the typical household income in Longmeadow ($149,601 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,179
Principal & interest$3,021
Property tax$768
Home insurance$189
FHA mortgage insurance (MIP)$201

You need at least $15,894 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

Longmeadow and Hampden County

Longmeadow 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).

Longmeadow's own numbers

Typical home value
$454,100
Typical monthly rent
$1,682
Typical yearly household income
$149,601
Households that own their home
90%
Effective property tax rate
2.03%

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 Longmeadow

A typical home in Longmeadow is worth $454,100: 52% above the county and 19% below Massachusetts. With the typical household income in Longmeadow ($149,601 a year), a typical home costs 3.0 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.

  • Longmeadow 3.0 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

Longmeadow 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
  • Longmeadow $454,100
  • Hampden $298,800
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Longmeadow $1,682
  • Hampden $1,136
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Longmeadow $149,601
  • Hampden $71,306
  • Massachusetts $103,960
  • United States $80,734
See the full table
Longmeadow next to Hampden County and Massachusetts
Measure Longmeadow Hampden County Massachusetts U.S.
Typical home value $454,100 $298,800 $562,100 $332,700
Typical monthly rent $1,682 $1,136 $1,762 $1,413
Typical yearly household income $149,601 $71,306 $103,960 $80,734
Households that own their home 90% 62% 63% 65%
Typical yearly property tax $9,236 $4,455 $5,992 $3,119
Effective property tax rate 2.03% 1.49% 1.07% 0.94%
Renters with high rent for their income 58% 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 Longmeadow

For a typical $454,100 home in Longmeadow, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Longmeadow's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,179a month

    Least cash to close
    Down payment
    $15,894
    Cash to close
    $29,517
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $4,096a month

    Down payment
    $22,705
    Cash to close
    $36,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $3,418a month

    Down payment
    $90,820
    Cash to close
    $104,443
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,838a month

    Down payment
    $68,115
    Cash to close
    $81,738
    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 Longmeadow and for Hampden County.

Property tax

Effective rate in Longmeadow

2.03%of the home’s value each year

$9,236 a year for the typical owner in Longmeadow.

  • Longmeadow 2.03%
  • 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 Longmeadow

Typical rent in Longmeadow is $1,682 a month: 48% above the county. In Longmeadow, 58% 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 Longmeadow

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Longmeadow is in ZIP code 01106.

For 2 bedrooms it is $2,700: $900 more than the fair market rent for Hampden County ($1,800).

  • 01106 $2,700$3,360

A ZIP code counts for Longmeadow 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?

Low-income apartments

Low-income apartments in Longmeadow

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

  • Genesis Lifecare 832 Converse St, Longmeadow 01106 80 low-income homes · For older adults (413) 525-4321
  • Emerson Manor 114 Emerson Rd, Longmeadow 01106 68 low-income homes · For older adults (413) 567-0601
  • Genesis House III 832 Converse St, Longmeadow 01106 29 low-income homes · For older adults
  • Emerson Manor II 114 Emerson Rd, Longmeadow 01106 21 low-income homes · For older adults (413) 525-4321
  • First Assoc Property Homes 675 Williams St, Longmeadow 01106 9 homes, 8 low-income · For people with disabilities

See all 221 buildings in Hampden County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Longmeadow

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.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Longmeadow

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

The HUD-approved agencies closest to the center of Longmeadow, 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 · 4 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 Longmeadow

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 Longmeadow

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

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Longmeadow

Short answers with the numbers for Longmeadow 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 Longmeadow?

The typical home value in Longmeadow is $454,100, 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 Longmeadow?

Typical rent in Longmeadow is $1,682 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 Longmeadow?

Longmeadow 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 Longmeadow?

The typical homeowner in Longmeadow pays $9,236 a year, according to the U.S. Census Bureau. That is 2.03% of the home’s value; in Hampden County, the rate is 1.49%.

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

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).