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City · 43,457 residents · Berkshire County, Massachusetts

Pittsfield , Massachusetts

In Pittsfield, a typical home is worth $256,900 and typical rent is $1,134 a month. Compared with all of Berkshire County, the typical home value is 16% lower, typical household income is 7% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $256,900

    16% below the county

    54% below Massachusetts

    • Pittsfield
    • Berkshire
    • Massachusetts

  • Typical rent

    $1,134a month

    3% above the county

    36% below Massachusetts

    • Pittsfield
    • Berkshire
    • Massachusetts

  • Typical household income

    $70,582a year

    7% below the county

    32% below Massachusetts

    • Pittsfield
    • Berkshire
    • Massachusetts

  • Households that own their home

    63%

    7 points below the county

    About the same as Massachusetts

    • Pittsfield
    • Berkshire
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$308,022
1% more than 12 months ago
Typical rent
$1,545 a month
2.9% more than 12 months ago

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

Pittsfield is in Berkshire 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 Berkshire County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pittsfield apart

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

  1. Pittsfield has the 6th lowest typical home value of the 123 cities in Massachusetts with more than 5,000 people ($256,900).

  2. Nearby, in North Adams, the typical rent is $793: 30% less than in Pittsfield ($1,134).

  3. Nearby, in North Adams, the typical home value is $195,900: 24% less than in Pittsfield ($256,900).

  4. 63% of households in Pittsfield own their home, against 70% in Berkshire County.

  5. Pittsfield has the 12th lowest typical rent of the 121 cities in Massachusetts with more than 5,000 people ($1,134).

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

The homes here

Housing in Pittsfield

What homes there are in Pittsfield, 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 are the majority in Pittsfield (53%), but less so than in Berkshire County (66%).

Year built

The typical home in Pittsfield was built in 1950, 6 years before the typical one in Berkshire County.

Homes in Pittsfield are smaller: 55% have 3 bedrooms or more; in Berkshire County, 60%.

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 Pittsfield sit under the FHA limit for Berkshire County ($541,287): about 93%.

Monthly rent with utilities

By rent, most homes in Pittsfield cost less than HUD's 2-bedroom fair market rent ($1,704): about 82%.

With a mortgage

$1,691 a month

Berkshire County: $1,816 a month

Without a mortgage

$812 a month

Berkshire County: $805 a month

Owners with a mortgage

61%

Berkshire County: 59%

Owning costs less in Pittsfield: with a mortgage, the typical cost is $1,691 a month; in Berkshire County, $1,816. Without one, $812.

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 Pittsfield rose 47% since 2015–2019, more than in Berkshire County (41%).

The typical rent in Pittsfield rose 27% since 2015–2019, about the same as in Berkshire County (26%).

The typical household income in Pittsfield rose 37% over that time; home values changed +47% and rent +27%.

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

MeasurePittsfieldBerkshire CountyMassachusettsUnited States
Rental vacancy Unreliable estimate3.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room Unreliable estimate1.0%2.3%3.4%
People per household 2.172.142.442.53
Drive alone 74%71%61%69%
Carpool 8%7%7%9%
Public transit 2%2%7%3%
Walk or bike 3%5%5%3%
Work from home 10%14%19%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Berkshire County, a household in Pittsfield has 2.17 people on average.

In Pittsfield, 74% of workers drive alone to work; in Berkshire County, 71%.

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 Pittsfield?

A typical home costs more than the typical income allows

We start with a typical home in Pittsfield, worth $256,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Pittsfield, which is $70,582 a year. For that payment to be 28% of income, a household would need to earn about $97,464 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pittsfield. 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 $8,992 (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

$2,274

at 7.18% · 30 years

Loan amount
$252,246
Total interest
$362,923
Paid off in
November 2056

Includes $4,338 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,647 a month

  • Tight

    $1,647 to $2,117 a month

  • Hard

    more than $2,117 a month

    Your payment · 39%

Compared with the typical household income in Pittsfield ($70,582 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,274
Principal & interest$1,709
Property tax$345
Home insurance$107
FHA mortgage insurance (MIP)$114

You need at least $8,992 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

Pittsfield and Berkshire County

Pittsfield is in Berkshire 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).

Pittsfield's own numbers

Typical home value
$256,900
Typical monthly rent
$1,134
Typical yearly household income
$70,582
Households that own their home
63%
Effective property tax rate
1.61%

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

Numbers for all of Berkshire County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,704–$1,763
Price change over 5 years (FHFA)
+59%

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 Berkshire County.

Everything about Berkshire County

Buying

Buying a home in Pittsfield

A typical home in Pittsfield is worth $256,900: 16% below the county and 54% below Massachusetts. With the typical household income in Pittsfield ($70,582 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.

  • Pittsfield 3.6 years
  • Berkshire 4.0 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Berkshire County

According to FHFA’s house price index, home prices in Berkshire County rose 82% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +1.1% +3.7% +2.9%
5 years (2020–2025) +59% +49% +47%
10 years (2015–2025) +82% +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

Pittsfield next to Berkshire 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
  • Pittsfield $256,900
  • Berkshire $305,400
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Pittsfield $1,134
  • Berkshire $1,097
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Pittsfield $70,582
  • Berkshire $76,013
  • Massachusetts $103,960
  • United States $80,734
See the full table
Pittsfield next to Berkshire County and Massachusetts
Measure Pittsfield Berkshire County Massachusetts U.S.
Typical home value $256,900 $305,400 $562,100 $332,700
Typical monthly rent $1,134 $1,097 $1,762 $1,413
Typical yearly household income $70,582 $76,013 $103,960 $80,734
Households that own their home 63% 70% 63% 65%
Typical yearly property tax $4,148 $4,036 $5,992 $3,119
Effective property tax rate 1.61% 1.32% 1.07% 0.94%
Renters with high rent for their income 53% 54% 52% 51%

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

For a typical $256,900 home in Pittsfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pittsfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,274a month

    Least cash to close
    Down payment
    $8,992
    Cash to close
    $16,699
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $114

  • Conventional, 5% down $2,227a month

    Down payment
    $12,845
    Cash to close
    $20,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $122

  • Conventional, 20% down, no PMI $1,844a month

    Down payment
    $51,380
    Cash to close
    $59,087
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,081a month

    Down payment
    $38,535
    Cash to close
    $46,242
    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 Pittsfield and for Berkshire County.

Property tax

Effective rate in Pittsfield

1.61%of the home’s value each year

$4,148 a year for the typical owner in Pittsfield.

  • Pittsfield 1.61%
  • Berkshire 1.32%
  • Massachusetts 1.07%

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

Exemptions and deadlines in Massachusetts

Flood risk in Berkshire County

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

FEMA’s maps count no homes in the high-risk zone in Berkshire 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 Pittsfield

Typical rent in Pittsfield is $1,134 a month: 3% above the county. In Pittsfield, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Berkshire County; Pittsfield is in Pittsfield, MA HUD Metro FMR Area. To pay the 2-bedroom one ($1,704 a month) without spending more than 30% of your income, you would need to earn $32.77 an hour working full time.

Fair market rent by size in Pittsfield, MA 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 $1,315 $25.29 $52,600
1 bedroom $1,324 $25.46 $52,960
2 bedrooms $1,704 $32.77 $68,160
3 bedrooms $2,231 $42.90 $89,240
4 bedrooms $2,848 $54.77 $113,920

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,704 to $1,763. 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 Berkshire 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
Pittsfield, MA HUD Metro FMR Area The area where most people livePittsfield is in this area
10 towns in this area

Adams town, Cheshire town, Dalton town, Hinsdale town, Lanesborough town, Lee town, Lenox town, Pittsfield city, Richmond town, Stockbridge town

 $1,315$1,324$1,704$2,231$2,848$32.77
Berkshire County, MA (part) HUD Metro FMR Area
22 towns in this area

Alford town, Becket town, Clarksburg town, Egremont town, Florida town, Great Barrington town, Hancock town, Monterey town, Mount Washington town, New Ashford town, New Marlborough town, North Adams city, Otis town, Peru town, Sandisfield town, Savoy town, Sheffield town, Tyringham town, Washington town, West Stockbridge town, Williamstown town, Windsor town

 $1,329$1,348$1,763$2,409$2,947$33.90

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 Pittsfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pittsfield is in ZIP code 01201.

For 2 bedrooms it is $1,750 in all of them.

  • 01201 $1,750$2,310
  • 01201 $1,750$2,310

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

HUD lists 18 buildings with rents for lower incomes in Pittsfield. These are the largest.

  • Berkshiretown Associates 176 Columbus Ave, Pittsfield 01201 184 low-income homes · For older adults
  • Dower Square 65 Columbus Ave, Pittsfield 01201 169 homes, 163 low-income · Run by Pittsfield Housing Authority · Average payment: $505 a month · Average wait: 15 months (413) 443-5936
  • Riverview Homes LP 341 West St, Pittsfield 120 homes, 113 low-income · 1 bd: 24 · 2 bd: 48 · 3 bd: 36 · 4 bd: 12 · In service since 2000
  • Central Annex 99 Second St, Pittsfield 01201 103 homes, 101 low-income · For older adults
  • Dalton Apartments 40 April Ln, Pittsfield 100 low-income homes · 1 bd: 28 · 2 bd: 44 · 3 bd: 28 · In service since 2015 · For families

See all 46 buildings in Berkshire County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pittsfield

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 Berkshire County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pittsfield

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

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

  • Berkshire County Regional Housing Authority-H

    1 Fenn St Ste 4, Pittsfield · 0 miles away · Spanish

    Also serves in French.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (413) 443-7138

  • Valley Community Development Corporation

    256 Pleasant St Ste A, Northampton · 34 miles away

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

  • Holyoke Housing Authority

    475 Maple St, Holyoke · 37 miles away · Spanish

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

Every agency in Berkshire County All counseling agencies in Massachusetts

Help in Spanish near Pittsfield

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 Pittsfield

HUD’s record names them for Pittsfield or Berkshire County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Pittsfield Housing Authority Public housing and Section 8 vouchers (413) 443-5936
  • Berkshire County Regional Housing Authority Section 8 vouchers (413) 443-7138

4 other authorities have an office in Berkshire County: see the list Source: HUD

Cities

Other cities in Berkshire County

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

Everything about Berkshire County Housing in Massachusetts

Nearby cities

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

Neighboring counties

If Berkshire 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 Pittsfield.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Pittsfield

Short answers with the numbers for Pittsfield and all of Berkshire 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 Pittsfield?

The typical home value in Pittsfield is $256,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Berkshire County it is $305,400.

How much does it cost to rent in Pittsfield?

Typical rent in Pittsfield is $1,134 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Berkshire County is $1,704–$1,763.

What is the FHA loan limit in Pittsfield?

Pittsfield uses the FHA limit for all of Berkshire 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 Pittsfield?

The typical homeowner in Pittsfield pays $4,148 a year, according to the U.S. Census Bureau. That is 1.61% of the home’s value; in Berkshire County, the rate is 1.32%.

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

There is 1 HUD-approved counseling agency with an office in Berkshire County. 1 says it serves 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).