Northampton, Massachusetts Tier 3
Tier 3 · solid schools · about 121 minutes door-to-door to downtown Boston at peak · 58% of households own their home.
$700k
4BR / 2BA house (est.)
$550k
3BR townhouse (est.)
$405k
2BR condo (est.)
$13.67
Tax per $1,000 (FY2026)
121 min
Peak drive to Boston (modeled)
—
No MBTA rail
58%
Homeowners (ACS 2019–23)
What it takes to live here
| Scenario (20% down) | Monthly all-in | Income needed |
|---|---|---|
| 4BR / 2BA detached house | $4,512/mo | $193k/yr |
| 3BR / 2BA townhouse | $3,583/mo | $154k/yr |
| 2BR condo | $2,684/mo | $115k/yr |
Monthly = mortgage (6.5%, 30-year, 20% down) + property tax at Northampton’s actual FY2026 rate ($13.67/$1,000 = 1.37% of assessed value) + $175 insurance. “Income needed” keeps housing at 28% of gross income. Prices are market estimates, not appraisals.
Community snapshot
| ACS 2019–2023 (via MAPC DataCommon) | Share |
|---|---|
| Homeowner households | 58% |
| White (non-Hispanic) | 80% |
| Asian (non-Hispanic) | 3.7% |
| Latino / Hispanic | 9.5% |
| African American (non-Hispanic) | 2.1% |
These figures are neutral census facts, shown for every town equally. They are never used to filter, rank, or recommend towns — see our methodology and the federal Fair Housing Act.
