The typical owner-occupied home in Housatonic is worth about $437,000, 22% below the Massachusetts median of $562,100 and 31% above the national median of $332,700. Owners pay a median $4,920 a year in property taxes, about 1.13% of their home's value, higher than the Massachusetts rate of 1.07%. 70% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Housatonic at a glance
| Housatonic | Massachusetts | U.S. | |
|---|---|---|---|
| Median home value | $437,000 | $562,100 | $332,700 |
| Median property tax paid per year | $4,920 | $5,992 | $3,119 |
| Property tax as a share of value | 1.13% | 1.07% | 0.94% |
| Median household income | – | $103,960 | $80,734 |
| Homes lived in by their owners | 70% | 63% | 65% |
| Owner homes with a mortgage | 62% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,966 | $2,726 | $1,963 |
| Those costs as a share of the owners' income | 31.9% | 21.9% | 21.0% |
| Median rent | $1,491 | $1,762 | $1,413 |
| Rent as a share of renters' income | 51.0% | 30.9% | 30.6% |
| Median year homes were built | 1938 | 1964 | 1980 |
| Vacant homes | 17.3% | 8.1% | 10.1% |
| Population | 1,113 | 7,044,056 | 334,922,499 |
What a typical home costs per month in Housatonic
At this week's average 30-year rate of 7.11%, buying the median Housatonic home of $437,000 with 20% down costs about $2,945 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,673, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $126,230 for the 20%-down payment.
The median rent here is $1,491 a month, so owning the median home costs about $1,454 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $87,400 |
|---|---|
| Loan amount | $349,600 |
| Principal and interest | $2,352 |
| Property taxes (1.13% a year) | $412 |
| Homeowners insurance (our estimate, 0.5% a year) | $182 |
| PMI | $0 |
| Total per month | $2,945 |
Change the numbers in the calculator
| Down payment | $15,295 |
|---|---|
| Loan amount | $429,085 |
| Principal and interest | $2,886 |
| Property taxes (1.13% a year) | $412 |
| Homeowners insurance (our estimate, 0.5% a year) | $182 |
| FHA mortgage insurance | $193 |
| Total per month | $3,673 |
Change the numbers in the calculator
Questions about home buying in Housatonic
What is the median home value in Housatonic?
About $437,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Housatonic?
Homeowners pay a median $4,920 a year, which is about 1.13% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Housatonic?
For the median home with 20% down at 7.11%, the payment is about $2,945 a month. Keeping that under 28% of gross income takes about $126,230 a year.
More about Housatonic
- Mortgage Refinance in Housatonic
- Debt Relief in Housatonic
- Home Equity Loans in Housatonic
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data