Is Hampshire County, MA good for real estate investing?

Hampshire County has an investment score of 56/100, rated as "Hold". The county ranks #438 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Hampshire?

The rent-to-price ratio in Hampshire County is 6.38% annually, which ranks in the 62th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Hampshire?

The median home price in Hampshire County is $429,692. This ranks #864 in affordability among all US counties.

Can you cash flow on rental properties in Hampshire?

Based on median values with 20% down at current rates, a typical rental in Hampshire County would generate negative cash flow of $768/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Hampshire County

MassachusettsPopulation: 153,931

/100

Hold

#438 of 1,000 counties

#2 in Massachusetts (14 counties)

Market Snapshot

$429,692

Median Home Price

84% above national median

$2,284/mo

Median Rent

51% above national median

6.38%

Rent-to-Price Ratio

Top 38% nationally

-$768

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$429,692

Down Payment (20%)$85,938

Loan Amount$343,754

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,284

Monthly P&I-$2,252

Est. Expenses (35%)-$799

Net Cash Flow-$768/mo

4.2%

Cap Rate (all cash)

-9.3%

Cash-on-Cash Return

6.38%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

64/100

Based on 6.38% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

55/100

Based on 0.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

53/100

Price-to-income ratio of 5.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$768/mo)
-Negative leverage (cap rate 4.2% < mortgage rate 6.9%)

Economic Indicators

Population

153,931

Median Income

$84,025

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

5.1x

Less affordable

Compare to Nearby Counties

County					Verdict
HampdenMA	61	$335,830	$1,836	6.56%	Buy	View
CurrentHampshireMA	56	$429,692	$2,284	6.38%	Hold
FranklinMA	54	$355,663	$1,791	6.04%	Hold	View
PlymouthMA	54	$621,944	$2,737	5.28%	Hold	View
BerkshireMA	54	$378,133	$1,554	4.93%	Hold	View
WorcesterMA	53	$481,357	$2,096	5.23%	Hold	View

The Bottom Line

HoldHampshire is a neutral market. Consider house hacking or targeting below-market deals.

Hampshire County in Massachusetts scores 56/100, ranking #438 of 1,000 US counties (top 58%). The 6.38% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-768/mo

Cap Rate

4.2%

Cash-on-Cash

-9.3%

Ready to Analyze a Deal in Hampshire?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$429,692

Down Payment (20%)$85,938

Loan Amount$343,754

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,284

Monthly P&I-$2,252

Est. Expenses (35%)-$799

Net Cash Flow-$768/mo

4.2%

Cap Rate (all cash)

-9.3%

Cash-on-Cash Return

6.38%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

56/100

Cash Flow(30%)

64/100

Based on 6.38% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

55/100

Based on 0.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

53/100

Price-to-income ratio of 5.1x. Lower ratios indicate more affordable markets.

County

Verdict

HampdenMA

$335,830

$1,836

6.56%

Buy

View

CurrentHampshireMA

$429,692

$2,284

6.38%

Hold

FranklinMA

$355,663

$1,791

6.04%

Hold

View

PlymouthMA

$621,944

$2,737

5.28%

Hold

View

BerkshireMA

$378,133

$1,554

4.93%

Hold

View

WorcesterMA

$481,357

$2,096

5.23%

Hold

View

The Bottom Line

HoldHampshire is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-768/mo

Cap Rate

4.2%

Cash-on-Cash

-9.3%