Average mortgage payment in Hampshire County, MA (2026)
The average mortgage payment in Hampshire County on a median-priced home (~$620,000) is roughly $4,884/month — assuming 10% down at a 6.85% 30-year fixed rate and Massachusetts's 1.23% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $209,308. County population is roughly 162,308.
Adjust the scenario
How Hampshire County compares to Massachusetts
The typical home in Hampshire County is 1% above the statewide median of $615,000 in Massachusetts. Property tax is set at the state's effective rate of 1.23% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Hampshire County?+
On a median Hampshire County home (~$620,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $4,884/month, including ~$636 in property tax.
What income do I need to buy a home in Hampshire County?+
Using the 28% front-end DTI rule, you'd need roughly $209,308 in annual gross household income to comfortably carry the median Hampshire County home.
How does Hampshire County compare to the rest of Massachusetts?+
Hampshire County's median home ($620,000) is 1% above the Massachusetts median of $615,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.