Hampden County · 14.95 square miles
Montgomery
The town record: taxes, homes, schools, water, flood, commute and the market, every figure from a named public source.
LATESTSources checked 2026-08-05 · 60+ named public bodies · each figure above states its own period
The Record in Brief
Montgomery's residential property tax rate is $11.59 per $1,000 of assessed value for fiscal 2026, about $3,769 a year on the town's median single-family home, assessed at $325,200. Rates are set by the town and reported to the Massachusetts Department of Revenue.
Montgomery had a population of 819 at the 2020 decennial census, published by the U.S. Census Bureau, down 2.3% on 2010.
Parts of Montgomery lie inside mapped special flood hazard areas, where most mortgages require flood insurance. Whether a given property is inside one is a parcel-level question. Mapping is published by the Federal Emergency Management Agency.
Every figure below states the period it covers and the body that publishes it. Full sourcing: sources and method.
What Does It Cost to Live Here?
$3,769/year in property tax on the median home
At $11.59 per $1,000 of assessed value (fiscal 2026). 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.
Median household income, survey by survey
$125,0005-year estimate ending 2023 · overlapping windows, not annual readings
The average single-family tax bill, FY1989 to FY2026
$4,822FY2026 average · the figure above is the median home, this line is the DLS average
What Does It Cost to Heat?
Most homes here heat with heating oil. 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.
What Kind of Homes Are Here?
525 parcels; the median single-family home here was built in 1974, surviving stock, not construction history.351 housing units at the 2020 count (258 in 2000). 63.9% of occupied homes are owner-occupied.
100% of homes here are single-family detached houses, and 9.8% of the housing stock predates 1940 while 5.1% went up in 2010 or later. Survey shares (2023), not counts.
4% of Homes Vacant at the Last Count
About 1 in 25 homes here stood empty at the April 2020 count, and 7.1% of those are seasonal or vacation homes.
≈4 sales a year
About 1 in 125 properties here changes hands in a year (2022–2024 average of recorded arm's-length deeds), at that pace, a property comes up roughly every 125 years. Steady-state arithmetic, not a measured wait, and the count includes land and commercial parcels.
New homes permitted, year by year, since 1980
4units permitted in 2025, 0 months reported · permission to build, not completions
Reported construction value in 2025: $847K (permit filings, nominal dollars).
1 new home was permitted in 2025 (the Bureau's estimate; the town filed no monthly reports that year). County-wide, house prices moved up 5.27% in 2025 (Hampden County index, a county figure, not this town's).
Where Do Kids Go to School?
Schools Through Grade 12
Students here are covered from the early grades through high school by Gateway (PK–12).
The schools page carries every district serving Montgomery, where the buildings are, and what each district spends per pupil.
The district spends $24,620 per student. That is total spending per pupil, an input the state publishes, not a rating or a ranking of the schools.
Charter schools whose region includes this town: Hilltown Cooperative Charter Public School, Pioneer Valley Performing Arts Charter Public School. Eligibility to apply, not a placement, admission is by lottery.
No school building stands in this town; children travel to one of the district's schools elsewhere.
How's the Internet?
Cable Internet: Comcast
Cable internet serves this town. Franchise areas can stop at village edges, so confirm service at the specific address, not the town line.
95.7% of households here subscribe to broadband, per the Census Bureau's rolling five-year survey, the ground truth against any coverage map.
Water, Sewer, or Septic?
No community water system is registered in this town, homes are on private wells. 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".
Will It Flood? Anything Nasty Nearby?
Mapped Flood Zones Present
Parts of this town are inside mapped special flood hazard areas, where flood insurance is required for most mortgages and building is regulated. Whether a specific property is inside one is a parcel-level question, check the address, not the town.
The flood page carries the mapping status, wetlands, dams and cleanup sites for Montgomery, with every town in the county.
2 dams in town, 1 classed high hazard, a statement about what a failure would harm, not about condition or likelihood. 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.
What's the Commute Like?
0.8% of working residents work right here in town. The rest most often head to Westfield, Springfield, Holyoke. The town itself hosts 27 jobs.
Where people here work: living near Russell (10 already commute, 12 min), living near Huntington (3 already commute, 12 min), living near Westfield (21 min), living near Chester (1 already commute, 23 min), living near Blandford (3 already commute, 24 min), living near Granville (14 already commute, 32 min).
The average commute from here runs 36.4 minutes one way (working residents who leave home for work, 2023 5-year estimate). Walkability, where people live, scores 2.2 out of 20 on the EPA's index (least walkable).
No fixed-route bus stops in town. All three regional transit authorities' schedules were checked; dial-a-ride and paratransit services do not appear in them.
What Do Rentals Go For?
$1,734/Month: HUD's Two-Bedroom Standard
HUD's fair-rent standard for a two-bedroom here is $1,734 a month, the figure housing vouchers are built on for the Springfield, MA MSA, not what landlords ask. It assumes rent plus most utilities, so it is not comparable to an advertised rent that excludes heat.
What tenants here actually pay, survey by survey
$1,188/monthmedian gross rent, 5-year estimate ending 2015 · rent plus utilities, what sitting tenants pay, not asking rents
19.7% of households here fall below 80% of the area's median family income, the federal housing-programme measure of need, not a poverty rate. 0% of the town's year-round homes count toward the state's subsidized-housing inventory (the state threshold where override rules change is 10%).
0% of renters here spend a third or more of their income on housing (0% spend half or more); for owners it is 17.4%. The federal "cost-burdened" line is 30% of income; these are 5-year survey estimates (2023), not a headcount.
What Are the Winters Like?
Winters average 27.9°F, summers 70.4°F, and about 77″ of snow a year
Thirty-year normals (1991–2020), not this year's weather. The year averages 49.4°F with 52.77″ 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.
Temperature: WESTFIELD BARNES MUNI AP, MA US (7.4 mi). Snow: WORTHINGTON, MA US (12.8 mi).
Growing or Shrinking?
Population is up 145.9% since 1960. Between 1971 and 1999, about 262 acres were developed. About 38.5% of adults here hold a bachelor's degree or higher (2023 survey). The deep story, the town's oldest surviving houses and what they're built in, is in the Old House Atlas.
People in Montgomery, every published figure
8372024 estimate · hover the line for any year
Everything taxable in town, at full value, since 1970
$159M2024 equalized valuation, the Commissioner's biennial full-value figure
The town's certified reserves, year by year, since 2003
$352,150certified free cash as of 1 July 2023 · audited spendable reserves, not a budget
Free cash is what the state certifies a town may actually spend from its reserves once receivables and deficits are taken out. It is the closest public measure of municipal cushion, and it is why one town absorbs a bad winter or a failed roof without an override while its neighbour cannot.
State aid, net of what the state charges back, since 2010
$158,453net cherry sheet aid, fiscal 2027, the Commonwealth's published estimate for a year not yet settled
The cherry sheet is the Commonwealth's annual notice of what it will send the town and what it will charge back. In fiscal 2027 that is $165,580 in aid against $7,127 in assessments, of which $32,160 of the aid is school aid. It is the half of a town's budget the property tax does not explain, which is why two towns with the same rate can be in very different shape.
Next door different? Put Montgomery beside any of the other 100 towns.
Compare Side by Side →Cite this page: RE413, “Montgomery Town Record,” https://www.re413.com/towns/montgomery-ma/.
From the Desk
RE413 News, on the questions this page answers for Montgomery.
Nearby Towns
The same record for each, with its own residential rate.
Or put two side by side in the Montgomery comparison tool, see what the tax bill would be in every town, or read the state of housing across all 101.
Sources
- Massachusetts DLS Municipal Databank. Tax rates and the bill on the median home (fiscal 2026), the average single-family bill back to FY1988, and the equalized valuation back to 1970, plus certified free cash (the town's audited spendable reserves) back to 2003.
- Massachusetts DLS Cherry Sheets. State aid received and state and county assessments charged, per year from 2010; the newest year is the Commonwealth's published estimate for a fiscal year not yet settled.
- MassGIS standardized parcels. Parcel counts, building ages, lot sizes, and the recorded sales behind the turnover figure and the quarter-by-quarter median.
- U.S. Census Bureau. Population (decennial counts 1960–2020, annual estimates to 2024), housing units, vacancy with its seasonal share, tenure, heating fuels, commute flows, and permitted units per year back to 1980 from the Building Permits Survey.
- PVTA, BRTA and FRTA schedules. Fixed-route bus stops and routes in town; zero means checked against all three and none found.
- EPA National Walkability Index. The population-weighted walkability score, block groups rolled up to the town.
- U.S. Energy Information Administration. This week's heating-oil and propane prices and the state electricity average. Figures through 2026-03-30.
- FHFA house-price index. The county-level annual price change, a county figure, never this town's. Figures through 2025.
- Massachusetts DESE registries. Which districts operate here, their grade spans and tuition arrangements.
- DESE Per Pupil Expenditures report. Total per-pupil spending for the town's operating district(s), a published input, not a rating.
- MassGIS utility registry and municipal fibre programmes. Cable franchise, town fibre and the electric utility.
- MassDEP and USGS. Water systems, sewer service and well-yield mapping.
- FEMA flood layer, the Office of Dam Safety and the MassDEP release registry. Flood mapping status, dam hazard classes and cleanup-registry counts.
- U.S. Geological Survey NWIS. Active stream gauges (with their live-data pages) and groundwater wells monitored in town.
- HUD and the state subsidized housing inventory. The fair-market rent standard and the Chapter 40B share.
- American Community Survey 5-year estimates. The income and rent lines, one point per survey vintage since 2009; each point pools five years ending in its label.
- American Community Survey, tables B25091 & B25070. The share of owners and renters spending 30%+ and 50%+ of income on housing.
- American Community Survey, tables B08013/B08303, B25034, B15003, B25024. Mean commute time, housing-age and structure-type shares, and the bachelor's-degree share.
- MassGIS land use. Acres developed between the 1971 and 1999 surveys.
- NOAA 1991-2020 U.S. Climate Normals. Winter, summer and annual temperature, snowfall and precipitation, from the nearest reporting station to each measure.
"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.