Lenders & Mortgage Brokers

“What is the collateral context?”

What is the collateral's context? Values and the tax that carries them, the voucher standard where a workout turns rental, the stock's vintage, and the county employment picture underneath it all.

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Property Tax by Town

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Residential rate per $1,000 of assessed value and the annual bill on each town's own median single-family home. CPA = Community Preservation Act surcharge.

Property Tax by Town. Residential rate per $1,000 of assessed value and the annual bill on each town's own median single-family home. CPA = Community Preservation Act surcharge.
Town	County	Residential Rate /$1,000	CPA Surcharge %	Median SF Value $	Tax on Median $/Yr
Adams	Berkshire County	15.63	No record	246,850	3,858
Agawam	Hampden County	14.1	1	342,300	4,875
Alford	Berkshire County	4.07	No record	1,066,450	4,340
Amherst	Hampshire County	16.91	3	537,100	9,304
Ashfield	Franklin County	14.23	No record	359,500	5,116
Becket	Berkshire County	9.56	1.5	328,200	3,170
Belchertown	Hampshire County	15.13	1.5	418,200	6,400
Bernardston	Franklin County	15.2	No record	303,300	4,610
Blandford	Hampden County	12.57	No record	344,200	4,327
Brimfield	Hampden County	13.38	No record	387,900	5,190
Buckland	Franklin County	16.74	No record	315,300	5,278
Charlemont	Franklin County	16.81	No record	277,400	4,663
Cheshire	Berkshire County	10.58	No record	305,000	3,227
Chester	Hampden County	18.06	No record	214,100	3,867
Chesterfield	Hampshire County	15.26	No record	360,500	5,501
Chicopee	Hampden County	15.24	No record	287,000	4,374
Clarksburg	Berkshire County	12.29	No record	211,100	2,594
Colrain	Franklin County	17.82	No record	245,200	4,369
Conway	Franklin County	14.28	3	404,800	5,911
Cummington	Hampshire County	12.49	No record	330,000	4,122
Dalton	Berkshire County	16.87	No record	315,300	5,319
Deerfield	Franklin County	13.45	3	424,900	5,846
East Longmeadow	Hampden County	19.43	1	344,200	6,735
Easthampton	Hampshire County	13.29	3	394,100	5,355
Egremont	Berkshire County	6.58	No record	601,400	3,957
Erving	Franklin County	9.58	No record	270,500	2,591
Florida	Berkshire County	8.28	No record	213,000	1,764
Gill	Franklin County	14.91	No record	292,900	4,367
Goshen	Hampshire County	13.5	3	338,000	4,700
Granby	Hampshire County	14.85	No record	382,300	5,677
Granville	Hampden County	14	1.5	332,400	4,702
Great Barrington	Berkshire County	13.24	3	518,000	7,024
Greenfield	Franklin County	18.64	1	264,600	4,963
Hadley	Hampshire County	11.46	3	458,800	5,381
Hampden	Hampden County	15.78	1	410,150	6,521
Hancock	Berkshire County	2.18	No record	352,600	769
Hatfield	Hampshire County	14.67	3	416,900	6,255
Hawley	Franklin County	16.2	No record	250,300	4,055
Heath	Franklin County	19.39	No record	242,950	4,711
Hinsdale	Berkshire County	10.63	No record	355,700	3,781
Holland	Hampden County	12.2	No record	366,700	4,474
Holyoke	Hampden County	17.43	1	262,450	4,603
Huntington	Hampshire County	14.77	No record	298,300	4,406
Lanesborough	Berkshire County	17.29	No record	309,850	5,357
Lee	Berkshire County	11.21	1.5	371,350	4,208
Lenox	Berkshire County	9.85	3	543,800	5,488
Leverett	Franklin County	15.7	3	464,000	7,456
Leyden	Franklin County	14.69	No record	283,000	4,157
Longmeadow	Hampden County	19.32	1	511,700	9,966
Ludlow	Hampden County	16.01	No record	332,300	5,320
Middlefield	Hampshire County	16.88	No record	234,550	3,959
Monroe	Franklin County	10.13	No record	146,400	1,483
Monson	Hampden County	14.3	3	348,100	5,084
Montague	Franklin County	15.13	No record	302,800	4,581
Monterey	Berkshire County	7.22	No record	620,850	4,483
Montgomery	Hampden County	11.59	No record	325,200	3,769
Mount Washington	Berkshire County	5.97	No record	436,000	2,603
New Ashford	Berkshire County	5.66	No record	442,500	2,505
New Marlborough	Berkshire County	7.21	No record	534,100	3,851
New Salem	Franklin County	13.62	No record	350,500	4,774
North Adams	Berkshire County	15.97	No record	191,450	3,057
Northampton	Hampshire County	13.67	3	504,350	7,060
Northfield	Franklin County	13.28	0.5	302,100	4,025
Orange	Franklin County	16.6	No record	279,950	4,647
Otis	Berkshire County	5.96	No record	449,300	2,678
Palmer	Hampden County	16.66	No record	277,900	4,630
Pelham	Hampshire County	18.79	3	292,700	5,608
Peru	Berkshire County	16.09	No record	267,800	4,309
Pittsfield	Berkshire County	17.5	1	256,500	4,516
Plainfield	Hampshire County	17.56	No record	244,850	4,300
Richmond	Berkshire County	10.25	No record	531,400	5,447
Rowe	Franklin County	5.24	No record	285,550	1,496
Russell	Hampden County	18.42	No record	287,600	5,298
Sandisfield	Berkshire County	7.89	No record	407,100	3,212
Savoy	Berkshire County	14.52	No record	207,950	3,019
Sheffield	Berkshire County	11.82	1	396,250	4,719
Shelburne	Franklin County	12.79	3	364,900	4,769
Shutesbury	Franklin County	16.21	1.5	385,400	6,317
South Hadley	Hampshire County	13.52	No record	366,500	4,955
Southampton	Hampshire County	13.11	3	448,400	6,016
Southwick	Hampden County	14.42	3	342,800	5,048
Springfield	Hampden County	15.46	1.5	267,900	4,181
Stockbridge	Berkshire County	6.79	3	702,200	4,891
Sunderland	Franklin County	12.44	3	396,450	5,042
Tolland	Hampden County	7.95	No record	326,850	2,598
Tyringham	Berkshire County	6.63	No record	563,500	3,736
Wales	Hampden County	14.13	No record	298,000	4,211
Ware	Hampshire County	14.49	No record	289,600	4,196
Warwick	Franklin County	16.54	No record	245,600	4,062
Washington	Berkshire County	13.82	No record	336,450	4,650
Wendell	Franklin County	20.5	No record	246,300	5,049
West Springfield	Hampden County	14.02	1	292,000	4,121
West Stockbridge	Berkshire County	10.34	2	535,700	5,629
Westfield	Hampden County	14.93	1	321,800	4,838
Westhampton	Hampshire County	20.35	No record	305,700	6,221
Whately	Franklin County	13.07	3	419,050	5,602
Wilbraham	Hampden County	17.45	1.5	429,000	7,572
Williamsburg	Hampshire County	16.01	No record	393,700	6,303
Williamstown	Berkshire County	14.2	2	466,450	6,728
Windsor	Berkshire County	9.43	No record	289,650	2,731
Worthington	Hampshire County	13.93	No record	350,300	4,880

What These Columns Mean

Town: Municipality
County: County
Residential Rate /$1,000: FY residential tax rate per $1,000 assessed
CPA Surcharge %: Community Preservation Act surcharge on the tax bill; null = not adopted
Median SF Value $: Median assessed single-family value, this fiscal year
Tax on Median $/Yr: Annual tax on the median single-family home incl. CPA

Cite: RE413. “Property Tax by Town.” Updated August 5, 2026. https://www.re413.com/pros/lenders/, underlying sources at https://www.re413.com/sources/.

Rent Standard vs Value

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HUD Fair Market Rent (the voucher payment standard: NOT asking rent; includes tenant-paid utilities) against median assessed single-family value. A screening ratio, not a cap-rate.

Rent Standard vs Value. HUD Fair Market Rent (the voucher payment standard: NOT asking rent; includes tenant-paid utilities) against median assessed single-family value. A screening ratio, not a cap-rate.
Town	HUD 2-Bed Standard $/Mo	HUD Rent Area	Median SF Value $	Annual 2-Bed Standard / Value %
Adams	1,626	Pittsfield, MA HUD Metro FMR Area	246,850	7.9
Agawam	1,734	Springfield, MA MSA	342,300	6.1
Alford	1,709	Berkshire County, MA (part) HUD Metro FMR Area	1,066,450	1.9
Amherst	2,004	Amherst Town-Northampton, MA MSA	537,100	4.5
Ashfield	1,866	Franklin County, MA	359,500	6.2
Becket	1,709	Berkshire County, MA (part) HUD Metro FMR Area	328,200	6.2
Belchertown	2,004	Amherst Town-Northampton, MA MSA	418,200	5.8
Bernardston	1,866	Franklin County, MA	303,300	7.4
Blandford	1,734	Springfield, MA MSA	344,200	6
Brimfield	1,734	Springfield, MA MSA	387,900	5.4
Buckland	1,866	Franklin County, MA	315,300	7.1
Charlemont	1,866	Franklin County, MA	277,400	8.1
Cheshire	1,626	Pittsfield, MA HUD Metro FMR Area	305,000	6.4
Chester	1,734	Springfield, MA MSA	214,100	9.7
Chesterfield	2,004	Amherst Town-Northampton, MA MSA	360,500	6.7
Chicopee	1,734	Springfield, MA MSA	287,000	7.3
Clarksburg	1,709	Berkshire County, MA (part) HUD Metro FMR Area	211,100	9.7
Colrain	1,866	Franklin County, MA	245,200	9.1
Conway	1,866	Franklin County, MA	404,800	5.5
Cummington	2,004	Amherst Town-Northampton, MA MSA	330,000	7.3
Dalton	1,626	Pittsfield, MA HUD Metro FMR Area	315,300	6.2
Deerfield	1,866	Franklin County, MA	424,900	5.3
East Longmeadow	1,734	Springfield, MA MSA	344,200	6
Easthampton	2,004	Amherst Town-Northampton, MA MSA	394,100	6.1
Egremont	1,709	Berkshire County, MA (part) HUD Metro FMR Area	601,400	3.4
Erving	1,866	Franklin County, MA	270,500	8.3
Florida	1,709	Berkshire County, MA (part) HUD Metro FMR Area	213,000	9.6
Gill	1,866	Franklin County, MA	292,900	7.6
Goshen	2,004	Amherst Town-Northampton, MA MSA	338,000	7.1
Granby	2,004	Amherst Town-Northampton, MA MSA	382,300	6.3
Granville	1,734	Springfield, MA MSA	332,400	6.3
Great Barrington	1,709	Berkshire County, MA (part) HUD Metro FMR Area	518,000	4
Greenfield	1,866	Franklin County, MA	264,600	8.5
Hadley	2,004	Amherst Town-Northampton, MA MSA	458,800	5.2
Hampden	1,734	Springfield, MA MSA	410,150	5.1
Hancock	1,709	Berkshire County, MA (part) HUD Metro FMR Area	352,600	5.8
Hatfield	2,004	Amherst Town-Northampton, MA MSA	416,900	5.8
Hawley	1,866	Franklin County, MA	250,300	8.9
Heath	1,866	Franklin County, MA	242,950	9.2
Hinsdale	1,626	Pittsfield, MA HUD Metro FMR Area	355,700	5.5
Holland	1,734	Springfield, MA MSA	366,700	5.7
Holyoke	1,734	Springfield, MA MSA	262,450	7.9
Huntington	2,004	Amherst Town-Northampton, MA MSA	298,300	8.1
Lanesborough	1,626	Pittsfield, MA HUD Metro FMR Area	309,850	6.3
Lee	1,626	Pittsfield, MA HUD Metro FMR Area	371,350	5.3
Lenox	1,626	Pittsfield, MA HUD Metro FMR Area	543,800	3.6
Leverett	1,866	Franklin County, MA	464,000	4.8
Leyden	1,866	Franklin County, MA	283,000	7.9
Longmeadow	1,734	Springfield, MA MSA	511,700	4.1
Ludlow	1,734	Springfield, MA MSA	332,300	6.3
Middlefield	2,004	Amherst Town-Northampton, MA MSA	234,550	10.3
Monroe	1,866	Franklin County, MA	146,400	15.3
Monson	1,734	Springfield, MA MSA	348,100	6
Montague	1,866	Franklin County, MA	302,800	7.4
Monterey	1,709	Berkshire County, MA (part) HUD Metro FMR Area	620,850	3.3
Montgomery	1,734	Springfield, MA MSA	325,200	6.4
Mount Washington	1,709	Berkshire County, MA (part) HUD Metro FMR Area	436,000	4.7
New Ashford	1,709	Berkshire County, MA (part) HUD Metro FMR Area	442,500	4.6
New Marlborough	1,709	Berkshire County, MA (part) HUD Metro FMR Area	534,100	3.8
New Salem	1,866	Franklin County, MA	350,500	6.4
North Adams	1,709	Berkshire County, MA (part) HUD Metro FMR Area	191,450	10.7
Northampton	2,004	Amherst Town-Northampton, MA MSA	504,350	4.8
Northfield	1,866	Franklin County, MA	302,100	7.4
Orange	1,866	Franklin County, MA	279,950	8
Otis	1,709	Berkshire County, MA (part) HUD Metro FMR Area	449,300	4.6
Palmer	1,734	Springfield, MA MSA	277,900	7.5
Pelham	2,004	Amherst Town-Northampton, MA MSA	292,700	8.2
Peru	1,709	Berkshire County, MA (part) HUD Metro FMR Area	267,800	7.7
Pittsfield	1,626	Pittsfield, MA HUD Metro FMR Area	256,500	7.6
Plainfield	2,004	Amherst Town-Northampton, MA MSA	244,850	9.8
Richmond	1,626	Pittsfield, MA HUD Metro FMR Area	531,400	3.7
Rowe	1,866	Franklin County, MA	285,550	7.8
Russell	1,734	Springfield, MA MSA	287,600	7.2
Sandisfield	1,709	Berkshire County, MA (part) HUD Metro FMR Area	407,100	5
Savoy	1,709	Berkshire County, MA (part) HUD Metro FMR Area	207,950	9.9
Sheffield	1,709	Berkshire County, MA (part) HUD Metro FMR Area	396,250	5.2
Shelburne	1,866	Franklin County, MA	364,900	6.1
Shutesbury	1,866	Franklin County, MA	385,400	5.8
South Hadley	2,004	Amherst Town-Northampton, MA MSA	366,500	6.6
Southampton	2,004	Amherst Town-Northampton, MA MSA	448,400	5.4
Southwick	1,734	Springfield, MA MSA	342,800	6.1
Springfield	1,734	Springfield, MA MSA	267,900	7.8
Stockbridge	1,626	Pittsfield, MA HUD Metro FMR Area	702,200	2.8
Sunderland	1,866	Franklin County, MA	396,450	5.6
Tolland	1,734	Springfield, MA MSA	326,850	6.4
Tyringham	1,709	Berkshire County, MA (part) HUD Metro FMR Area	563,500	3.6
Wales	1,734	Springfield, MA MSA	298,000	7
Ware	2,004	Amherst Town-Northampton, MA MSA	289,600	8.3
Warwick	1,866	Franklin County, MA	245,600	9.1
Washington	1,709	Berkshire County, MA (part) HUD Metro FMR Area	336,450	6.1
Wendell	1,866	Franklin County, MA	246,300	9.1
West Springfield	1,734	Springfield, MA MSA	292,000	7.1
West Stockbridge	1,709	Berkshire County, MA (part) HUD Metro FMR Area	535,700	3.8
Westfield	1,734	Springfield, MA MSA	321,800	6.5
Westhampton	2,004	Amherst Town-Northampton, MA MSA	305,700	7.9
Whately	1,866	Franklin County, MA	419,050	5.3
Wilbraham	1,734	Springfield, MA MSA	429,000	4.9
Williamsburg	2,004	Amherst Town-Northampton, MA MSA	393,700	6.1
Williamstown	1,709	Berkshire County, MA (part) HUD Metro FMR Area	466,450	4.4
Windsor	1,709	Berkshire County, MA (part) HUD Metro FMR Area	289,650	7.1
Worthington	2,004	Amherst Town-Northampton, MA MSA	350,300	6.9

What These Columns Mean

Town: Municipality
HUD 2-Bed Standard $/Mo: HUD Fair Market Rent, 2-bedroom, FY, voucher standard for the area, not asking rent
HUD Rent Area: The FMR is set for this area; neighbouring towns legitimately share one figure
Median SF Value $: Median assessed single-family value
Annual 2-Bed Standard / Value %: (12 × FMR2br) ÷ median SF value × 100, a screening ratio on the VOUCHER standard, not a market yield

Cite: RE413. “Rent Standard vs Value.” Updated August 5, 2026. https://www.re413.com/pros/lenders/, underlying sources at https://www.re413.com/sources/.

Housing Stock and Vacancy

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2020 census counts. Vacancy ALWAYS travels with its seasonal share: a high rate with a high seasonal share is a second-home market, not abandonment.

Housing Stock and Vacancy. 2020 census counts. Vacancy ALWAYS travels with its seasonal share: a high rate with a high seasonal share is a second-home market, not abandonment.
Town	Housing Units 2020	Vacant %	Seasonal Share of Vacant %	Owner-Occupied %	Median Year Built
Adams	4,336	11.9	7.2	64.9	1,939
Agawam	12,361	3.7	10.5	68.2	1,965
Alford	337	32.6	90.9	57.6	1,976
Amherst	10,748	9	6.6	58.1	1,968
Ashfield	880	12.4	73.4	61.1	1,972
Becket	1,687	47.2	92.6	65.4	1,976
Belchertown	6,357	4	22	69.9	1,988
Bernardston	967	4.8	28.3	63.4	1,971
Blandford	576	11.3	50.8	69	1,963
Brimfield	1,672	10.5	44.9	70.2	1,983
Buckland	906	9.4	37.6	59	1,945
Charlemont	644	16.8	63	57.7	1,970
Cheshire	1,539	8.5	42	60.5	1,970
Chester	622	14	55.2	67	1,945
Chesterfield	618	13.3	80.5	62.9	1,974
Chicopee	25,544	5.6	4.4	66.3	1,956
Clarksburg	749	7.7	22.4	64	1,952
Colrain	796	14.4	54.8	58.4	1,966
Conway	825	9.2	38.2	61.8	1,979
Cummington	477	16.6	62	63.3	1,969
Dalton	2,928	7.1	39.7	70.1	1,955
Deerfield	2,292	7.4	18.2	60.8	1,971
East Longmeadow	6,371	3.7	13.1	69.7	1,962
Easthampton	7,849	4.2	17.8	67.4	1,970
Egremont	941	32.6	79.5	60.3	1,973
Erving	703	3.8	25.9	71.9	1,952
Florida	362	9.1	45.5	61	1,969
Gill	700	12.9	50	62.3	1,967
Goshen	593	27.3	93.2	61.2	1,969
Granby	2,498	3.9	10.3	67.9	1,966
Granville	656	7.6	42	67.9	1,972
Great Barrington	3,686	17.9	57.9	61.2	1,950
Greenfield	8,646	6.1	13	67.1	1,940
Hadley	2,336	5.3	12.1	59.1	1,971
Hampden	2,008	3.1	4.8	67.1	1,966
Hancock	998	66.6	95.5	65.7	1,970
Hatfield	1,634	4.7	17.1	60.6	1,965
Hawley	188	24.5	76.1	50.8	1,968
Heath	578	47.1	96.7	57.2	1,975
Hinsdale	1,126	22.6	78	61.7	1,968
Holland	1,405	22.1	82.6	75.3	1,968
Holyoke	16,874	8.1	3.3	70.9	1,950
Huntington	1,030	15.6	57.8	70.6	1,969
Lanesborough	1,489	12.6	62.8	69	1,958
Lee	3,398	23.7	74.7	65.1	1,960
Lenox	3,184	23.7	71.9	59.5	1,959
Leverett	827	6.9	36.8	58.3	1,975
Leyden	340	7.9	63	60.6	1,979
Longmeadow	5,967	3.6	16.7	67	1,957
Ludlow	8,755	4	10	64.1	1,964
Middlefield	215	19.1	61	53.9	1,974
Monroe	80	30	87.5	53.3	1,960
Monson	3,554	5.1	15.3	69.6	1,974
Montague	4,112	5.4	13.2	66.5	1,954
Monterey	883	43.5	89.6	57	1,977
Montgomery	351	4	7.1	63.9	1,974
Mount Washington	173	53.8	54.8	61.8	1,972
New Ashford	126	12.7	62.5	60.9	1,976
New Marlborough	997	31.9	83.6	61.2	1,975
New Salem	460	7.2	36.4	61.8	1,979
North Adams	6,871	14.3	11.9	62.4	1,925
Northampton	13,668	6.4	14.4	63.4	1,954
Northfield	1,407	12.9	54.4	67.1	1,956
Orange	3,544	9.3	36	66.9	1,950
Otis	1,609	52	91.6	63.1	1,977
Palmer	5,854	6.9	6.4	68.8	1,960
Pelham	574	5.2	13.3	55.2	1,969
Peru	416	17.3	73.6	66.6	1,979
Pittsfield	21,738	9.3	25.2	67.5	1,950
Plainfield	335	14.9	62	59.5	1,974
Richmond	885	28.2	88	59.4	1,968
Rowe	245	24.9	70.5	56.2	1,960
Russell	703	8	21.4	68.8	1,970
Sandisfield	659	40.5	82.8	63.9	1,980
Savoy	350	16	58.9	62	1,979
Sheffield	1,766	16	65.4	64.1	1,973
Shelburne	1,001	7.6	48.7	60.3	1,952
Shutesbury	853	15.1	69.8	66.3	1,975
South Hadley	7,439	4.9	17.7	66.4	1,956
Southampton	2,551	4.1	28.6	67.5	1,980
Southwick	4,115	7	26.6	67.1	1,970
Springfield	62,782	6.4	3.2	74.8	1,951
Stockbridge	1,633	41.2	82.3	54.8	1,955
Sunderland	1,771	3.8	0	60.3	1,983
Tolland	501	55.9	95	61.5	1,979
Tyringham	289	39.4	79.8	52.2	1,978
Wales	896	15.5	65.5	65.1	1,970
Ware	4,755	9.1	18.4	66.7	1,971
Warwick	405	15.8	65.6	55.3	1,970
Washington	270	20.7	66.1	62.9	1,978
Wendell	448	8.7	20.5	57.7	1,980
West Springfield	12,885	5	10.2	67.6	1,955
West Stockbridge	852	27.5	79.9	57.3	1,975
Westfield	16,869	5.8	8.8	68	1,964
Westhampton	747	11.4	78.8	65.2	1,976
Whately	727	5.6	24.4	60.2	1,976
Wilbraham	5,712	3.5	16.8	68.7	1,964
Williamsburg	1,196	7.3	19.5	63.4	1,953
Williamstown	3,009	16.3	52.3	57.6	1,952
Windsor	473	22.8	84.3	68	1,975
Worthington	625	12.2	63.2	57.9	1,972

What These Columns Mean

Town: Municipality
Housing Units 2020: All housing units, April 2020 count
Vacant %: Vacant share of all units, 2020 count, read WITH the seasonal share
Seasonal Share of Vacant %: Share of vacant units held for seasonal/recreational use, the figure that stops the vacancy rate lying
Owner-Occupied %: Owner share of occupied units, 2020 count
Median Year Built: Median build year of single-family parcels (surviving stock)

Cite: RE413. “Housing Stock and Vacancy.” Updated August 5, 2026. https://www.re413.com/pros/lenders/, underlying sources at https://www.re413.com/sources/.

Built for These Too

The same 101 towns, cut for a different job.

AppraisersWhat are the comps' fundamentals?Insurance Agents & UnderwritersWhat is the hazard picture?Inspectors & Environmental ConsultantsWhat should I look for here?Commercial Brokers & Site SelectorsWhere is the traffic and the workforce?

Sources

DLS, Census Bureau, HUD, MassGIS, FEMA, MassDOT and BLS, via the town bundles. Every column in the tables above; the glossary defines each and the full catalogue dates each dataset. Checked 2026-08-05.

"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.