What income do you need to buy a house in Amherst, MA?

It takes about $152,000/yr to afford the typical Amherst, MA home ($538K, +2.9% past year) at today's rates. Starter homes run around $374K. See if you can afford a house in Amherst (2026 data) — free, no signup.

Market snapshot (2026-09)

• Income needed to buy the typical home: about $152,000/yr (28% front-end ratio, 20% down, 7.24% 30-yr fixed, MA property tax and insurance)
• Typical home value: $538K (Zillow ZHVI, 2026-09)
• 1-year change: +2.9%
• Bottom 35% of homes: $374K
• Top 35% of homes start around: $762K
• Typical rent: $2,999/mo
• Median household income: $67K
• Price-to-income ratio: 8.0
• Estimated payment on the typical home: $2,935/mo principal & interest (20% down, 7.24% 30-yr fixed)

Nearby housing markets

• Northampton, MA — typical home $494K
• Holyoke, MA — typical home $331K
• Chicopee, MA — typical home $320K
• Ware, MA — typical home $352K
• Palmer, MA — typical home $336K
• Springfield, MA — typical home $302K

The most affordable cities to buy a house in Massachusetts

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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