Cummington

$4,122/year in estimated municipal tax on the median assessment

At $12.49 per $1,000 of assessed value (fiscal 2026). This applies that rate to the median single-family assessment from FY2026; it is a comparison scenario, not a current bill. Separate fire, water or other district levies, special assessments and individual exemptions are excluded. Confirm the property's full bill with the assessor. The tax rate year by year, with the bill history and every town in the county, is on its own page. The full worked figure, mortgage at this week's rate, heating, the lot, is on the cost page, and the calculator takes any price.

Bottled or propane gas is the most common heating fuel here, used by 40.3% of homes. No Gas Main serves the town, heating follows the delivered-fuel market. This week's prices and the season maths are on the heating page.

846 parcels; the median single-family home here was built in 1969, surviving stock, not construction history.477 housing units at the 2020 count (461 in 2000). 80.2% of occupied homes are owner-occupied.

75.4% of homes here are single-family detached houses, and 49.9% of the housing stock predates 1940 while 2.3% went up in 2010 or later. Survey shares (2024), not counts.

16.6% of Homes Vacant at the Last Count

About 1 in 6 homes here stood empty at the April 2020 count, but 62% of those are seasonal or vacation homes. That is a second-home market, not an abandoned one.

≈10 sales a year

About 1 qualifying dwelling deed per 37 dwelling parcels is recorded in a year (2022–2024 average of recorded arm's-length deeds), at that pace, a property comes up roughly every 37 years. Steady-state arithmetic, not a measured wait, both counts cover dwelling property, and a deed can cover several parcels.

Estimated construction value in 2025: $405K (Census total including imputation, nominal dollars).

1 new home was permitted in 2025 (the latest fully-reported year). County-wide, house prices moved up 6.04% in 2025 (Hampshire County index, a county figure, not this town's).

Schools Through Grade 12

Students here are covered from the early grades through high school by Central Berkshire (PK–12).

The district spends $19,833 per student. That is total spending per pupil, an input the state publishes, not a rating or a ranking of the schools.

1 school building stands in town. Which building a child attends is set by the district, not by the address alone.

• J.S. Bryant School · 09, 10, 11, 12 · private

Town-Built Fibre Internet

This town built its own fibre network, typically faster than cable, and run by the town or its light plant. The statewide cable map shows nothing here, which misleads: the town's own connection is the better one. Confirm service at the specific address before closing.

Public water exists here: CUMMINGTON WATER DEPT, WEST CUMMINGTON WATER DEPT, service areas have edges, so a specific address may still be on a well. No municipal sewer treatment is registered here, homes are on septic systems, which state law has inspected at sale. Bedrock well yield potential in town is rated "average specific yield".

Mapped Flood Zones on the Older Map

This town has no current digital flood map, but the older FEMA paper map was digitised and it does show special flood hazard areas here. Treat it as a warning to check, not as a boundary: the paper map is less precise, carries no base flood elevations, and may be decades old. The town's floodplain administrator and the FEMA Map Service Center hold the answer for a specific address.

2 dams in town. No sites appear in the state's cleanup registry for this town, a registry fact, not a clean bill of health. Address-level detail, this parcel, this street, is on the address check.

Solar in the State's Record. 76 solar installations here have been through the Commonwealth's incentive programmes, rated 1.2 MW between them. 93% are on houses. The register runs to 2023: the older programmes closed to new applications and their successor only opened in 2025, so a gap after that is the incentive record ending, not the installing. Capacity is what an array is rated at, never what it produced.

Radon Potential: Zone 2. The rock under this town is rated zone 2, the middle of the three the survey uses. The rock underneath is the Western Connecticut Valley Belt. That is a rating of geology, not a reading from any building: houses above the action level turn up in every zone, and houses in zone 1 routinely test clean. Radon is invisible, a test kit is the only thing that answers the question for a particular house, and it is worth doing whatever this map says.

3.5% of the recorded Massachusetts jobs held by town residents are in this town. Other leading Massachusetts job destinations are Northampton, Pittsfield, Plainfield. The record includes 126 jobs in this town held by Massachusetts residents. These are 2022 job records, not a count of distinct workers. Interstate jobs are excluded, including commutes to or from Connecticut, New York and Vermont.

Recorded job destinations and nearby work centres: living near Goshen (5 Massachusetts job records (2022), 11 min), living near Plainfield (27 Massachusetts job records (2022), 11 min), living near Chesterfield (4 Massachusetts job records (2022), 12 min), living near Windsor (16 min), living near Worthington (19 Massachusetts job records (2022), 17 min), living near Middlefield (8 Massachusetts job records (2022), 43 min).

The average commute from here runs 38.9 minutes one way (working residents who leave home for work, 2024 5-year estimate). Walkability, where people live, scores 4.5 out of 20 on the EPA's index (least walkable).

PVTA and BRTA runs fixed-route buses here: 4 stops in town, on 2 routes. 904 · Pittsfield / Northampton; 904 · Pittsfield-Northampton.

$2,034/Month: HUD's Two-Bedroom Standard

HUD's fair-rent standard for a two-bedroom here is $2,034 a month, the figure housing vouchers are built on for the Amherst Town-Northampton, MA MSA, not what landlords ask. It assumes rent plus most utilities, so it is not comparable to an advertised rent that excludes heat.

34.5% of households here fall below 80% of the area's median family income, the federal housing-programme measure of need, not a poverty rate. 3.27% of the town's year-round homes count toward the state's subsidized-housing inventory (the state threshold where override rules change is 10%).

22.8% of renters here spend a third or more of their income on housing (5.3% spend half or more); for owners it is 27.8%. The federal "cost-burdened" line is 30% of income; these are 5-year survey estimates (2024), not a headcount.

Winters average 24.3°F, summers 65.8°F, and about 85″ of snow a year

Thirty-year normals (1991–2020), not this year's weather. The year averages 45.3°F with 50.28″ of precipitation. Readings come from the nearest long-record weather station to each measure, so a hilltown reading a valley station will see less snow here than falls on its own ridges.

Between the 1960 and 2020 censuses, population grew 50.7%. Between 1971 and 1999, about 209 acres were developed. About 55.2% of adults here hold a bachelor's degree or higher (2024 survey). The deep story, the town's oldest surviving houses and what they're built in, is in the Old House Atlas.