Cummington · Hampshire County
What Does It Cost to Own a Home in Cummington?
~$25,712/year
An illustration for the town's median single-family home ($330,000, assessment FY2026), assuming purchase price equals that assessment and 20% down: estimated municipal tax at the FY2026rate plus twelve mortgage payments at the dated national average rate below. Heating, insurance, mortgage insurance, maintenance and district levies are excluded. A season of propane adds its own figure below. Not a quote, the assessor and the oil truck have the last word.
Municipal Property Tax
$4,122/year estimated on the median assessment
At $12.49 per $1,000 of assessed value (fiscal 2026). The assessment is FY2026; this is a mechanical 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 page carries the rate year by year, the bill history and every town in the county.
The residential rate, FY2003 to FY2026
$12.49per $1,000, FY2026 · a falling rate on rising values can still raise the bill
The average single-family assessment, FY1988 to FY2026
$366,331FY2026 DLS average · assessments lag the market by design
Heating
No Gas Main
No natural-gas main serves this town, homes here heat with oil, propane, wood or electricity, and heating cost follows the delivered-fuel market below.
Propane: about $3,917 a season
1,000 gallons, a planning figure for a typical New England single-family home, in line with federal winter-fuels estimates, at $3.92/gallon (New England average, week of 2026-10-26). Your house, insulation and thermostat set the real number.
The full fuel picture, who heats with what, and every tracked price, is on the heating page.
The Mortgage, Illustrated
$1,799.16/Month Principal & Interest
On a $330,000 home with 20% down, at 7.24%: the national average 30-year rate for the week of 2026-10-29 (Freddie Mac Primary Mortgage Market Survey, via FRED). An illustration for a borrower with good credit, not a quote: your rate depends on credit, points and lender.
Want different numbers? The calculator lets you set the price and the down payment for any town. The figure above uses the national average, and ordinary published local rate-table entries are read from lenders' pages every week as separate market context, not offers or eligibility results.
More on Cummington
Cummington Compared
Side by side with the towns people weigh it against, on tax, prices, utilities and commute.
What It Costs Nearby
The nearest towns, each with its median home and annual tax.
From the Desk
RE413 News: how a Massachusetts tax bill is actually calculated. Built from the same public record as the figures on this page.
Sources
- Massachusetts DLS Municipal Databank. The tax rate and its history since FY2003, the average single-family assessment since FY1988, and the CPA surcharge, fiscal 2026.
- MassGIS standardized parcels. The median single-family assessment the headline is computed on.
- U.S. Energy Information Administration. This week's delivered-fuel prices behind the heating season figure. Figures through 2026-10-26.
- Freddie Mac Primary Mortgage Market Survey, via FRED. The national average 30-year rate in the mortgage illustration. Figures through 2026-10-29.
"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.