Ayer, MA—01432
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Ayer, MA
As of Oct '25, the median home price in Ayer, MA is $557,000, with a year-over-year change of 2.6%. This indicates that home prices in Ayer, MA are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $557,000 | 2.6% |
| Single Family | $593,000 | 1.9% |
| Condos | $408,000 | 2.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $395,000 | 0.8% |
3 Bed | $596,000 | 2.4% |
4 Bed | $719,000 | 1.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Ayer, MA
As of July '25, Rentcast reports the average rent in Ayer, MA is $2,260, with a year-over-year rent change of -0.9%. Per bedroom, the median rent as of July '25 in Ayer, MA is studios: $1,200, 1-bedrooms: $1,560, 2-bedrooms: $2,210, 3-bedrooms: $2,880, 4-bedrooms: $3,250. The most common rental property sizes in Ayer, MA are 2-bedroom and 1-bedroom, accounting for 49.2% and 33.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,260 |
| Studio Rent | $1,200 | $1,200 |
| 1 Bed Rent | $1,600 | $1,560 |
| 2 Bed Rent | $2,200 | $2,210 |
| 3 Bed Rent | $3,200 | $2,880 |
| 4 Bed Rent | $2,800 | $3,250 |
% of Rental Stock
Property Listings — Ayer, MA
As of Oct '25, Realtor.com reports that the median days on market for a home in Ayer, MA is 31. This is a increase of 70.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $515,000 | 13.0% |
Listing Count | 15 | 40.0% |
| Listings as % of Homes | 0.2% | 40.0% |
Days on Market | 31 | 70.0% |
Demographics — Ayer, MA
As of the latest ACS Survey released in 2023, Ayer, MA has a population of 8,120, which has increased by 4.7% over the past 5 years. Ayer, MA is a moderately popular place for families, as children make up 20.8% of the population. The area has a moderately educated workforce, with 40.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,120 | 4.7% |
% Under 18 | 20.8% | 6.7% |
% Seniors | 15.5% | 25.0% |
% WFH | 17.6% | 576.9% |
% w/ College Degree | 40.8% | -11.5% |
As of the latest ACS Survey released in 2023, Ayer, MA is a predominantly white area, with 72.6% of the population identifying as white. The white population has shrunk by 14.2% in the last 5 years. The second most common race or ethnicity in Ayer, MA is hispanic, making up 14.9% of the population. Foreign-born residents account for 8.2% of the population in Ayer, MA, and this percentage has decreased by 26.1% 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 | 72.6% | -14.2% |
% Black | 3.5% | 0.0% |
% Hispanic | 14.9% | 152.5% |
% Asian | 4.0% | -4.8% |
% Foreign Born | 8.2% | -26.1% |
Mortgage and Risk — Ayer, MA
According to HUD data as of 2023, there were 184 mortgage originations in Ayer, MA, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 19.0% above 90% LTV (elevated). This implies medium mortgage risk in Ayer, MA. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 184 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Ayer, MA
As of 2024, the percent of homes in Ayer, MA under the Section 8 program is 6.1%. 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. 1-bedroom and 2-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Ayer, MA, because HUD payments exceed market rent, while 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 83 |
Total Units Section 8 | 62 |
% Rentals under Section 8 | 6.1% |
% Occupied Section 8 | 91.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $540 | $1,600 | $2,140 |
| 2 Bedroom | $350 | $2,200 | $2,550 |
| 3 Bedroom | -$120 | $3,200 | $3,080 |
| 4 Bedroom | $590 | $2,800 | $3,390 |
Affordability — Ayer, MA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.6 |
| Median Home Price | $557,000 |
| Median Household Income | $105,000 |