Belchertown, MA—01007
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Belchertown, MA
As of Oct '25, the median home price in Belchertown, MA is $460,000, with a year-over-year change of 1.6%. This indicates that home prices in Belchertown, MA are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $460,000 | 1.6% |
| Single Family | $465,000 | 0.9% |
| Condos | $372,000 | 2.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $355,000 | -0.6% |
3 Bed | $464,000 | 1.1% |
4 Bed | $548,000 | 1.9% |
| 5 Bed | $553,000 | 1.1% |
% of Housing Stock
Rental Trends — Belchertown, MA
As of July '25, Rentcast reports the average rent in Belchertown, MA is $2,130, with a year-over-year rent change of -30.2%. Per bedroom, the median rent as of July '25 in Belchertown, MA is studios: $1,280, 1-bedrooms: $1,800, 2-bedrooms: $1,480, 3-bedrooms: $2,300, 4-bedrooms: $3,800. The most common rental property sizes in Belchertown, MA are 2-bedroom and 1-bedroom, accounting for 42.9% and 30.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $2,130 |
| Studio Rent | $1,280 | $1,280 |
| 1 Bed Rent | $1,800 | $1,800 |
| 2 Bed Rent | $1,480 | $1,480 |
| 3 Bed Rent | $2,300 | $2,300 |
| 4 Bed Rent | $3,800 | $3,800 |
% of Rental Stock
Property Listings — Belchertown, MA
As of Oct '25, Realtor.com reports that the median days on market for a home in Belchertown, MA is 18. This is a increase of 48.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $507,000 | -10.0% |
Listing Count | 26 | -10.0% |
| Listings as % of Homes | 0.3% | -10.0% |
Days on Market | 18 | 48.0% |
Demographics — Belchertown, MA
As of the latest ACS Survey released in 2023, Belchertown, MA has a population of 15,400, which has increased by 2.9% over the past 5 years. Belchertown, MA is a moderately popular place for families, as children make up 20.0% of the population. The area has a highly educated workforce, with 45.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,400 | 2.9% |
% Under 18 | 20.0% | -10.7% |
% Seniors | 20.0% | 35.1% |
% WFH | 12.5% | 190.7% |
% w/ College Degree | 45.9% | -4.0% |
As of the latest ACS Survey released in 2023, Belchertown, MA is a predominantly white area, with 84.7% of the population identifying as white. The white population has shrunk by 9.2% in the last 5 years. The second most common race or ethnicity in Belchertown, MA is hispanic, making up 6.0% of the population. Foreign-born residents account for 4.9% of the population in Belchertown, MA, and this percentage has decreased by 5.8% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.7% | -9.2% |
% Black | 2.6% | 333.3% |
% Hispanic | 6.0% | 328.6% |
% Asian | 2.9% | -12.1% |
% Foreign Born | 4.9% | -5.8% |
Mortgage and Risk — Belchertown, MA
According to HUD data as of 2023, there were 312 mortgage originations in Belchertown, MA, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 52.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Belchertown, MA. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 312 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Belchertown, MA
As of 2024, the percent of homes in Belchertown, MA under the Section 8 program is 8.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Belchertown, MA, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 85 |
Total Units Section 8 | 85 |
% Rentals under Section 8 | 8.1% |
% Occupied Section 8 | 93.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$520 | $1,800 | $1,280 |
| 2 Bedroom | $110 | $1,480 | $1,590 |
| 3 Bedroom | -$360 | $2,300 | $1,940 |
| 4 Bedroom | -$1,630 | $3,800 | $2,170 |
Affordability — Belchertown, MA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $460,000 |
| Median Household Income | $99,100 |