The typical owner-occupied home in Hadley is worth about $181,400, 57% below the New York median of $423,800 and 45% below the national median of $332,700. Owners pay a median $1,894 a year in property taxes, about 1.04% of their home's value, lower than the New York rate of 1.55%. The median household earns $65,875 a year, so the median home costs 2.8 times the median income (4.9 times for New York). 75% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Hadley at a glance
| Hadley | New York | U.S. | |
|---|---|---|---|
| Median home value | $181,400 | $423,800 | $332,700 |
| Median property tax paid per year | $1,894 | $6,582 | $3,119 |
| Property tax as a share of value | 1.04% | 1.55% | 0.94% |
| Median household income | $65,875 | $85,974 | $80,734 |
| Homes lived in by their owners | 75% | 54% | 65% |
| Owner homes with a mortgage | 62% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,316 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 14.5% | 22.5% | 21.0% |
| Median rent | $990 | $1,621 | $1,413 |
| Rent as a share of renters' income | 23.4% | 31.2% | 30.6% |
| Median year homes were built | 1974 | 1959 | 1980 |
| Vacant homes | 14.6% | 10.0% | 10.1% |
| Population | 1,170 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Hadley
At this week's average 30-year rate of 7.11%, buying the median Hadley home of $181,400 with 20% down costs about $1,209 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,511, 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 $51,816 for the 20%-down payment. That payment is 22% of the median Hadley household income of $65,875; at that income and 20% down, the 28% guideline points to a home of about $231,000.
The median rent here is $990 a month, so owning the median home costs about $219 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,280 |
|---|---|
| Loan amount | $145,120 |
| Principal and interest | $976 |
| Property taxes (1.04% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,209 |
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| Down payment | $6,349 |
|---|---|
| Loan amount | $178,114 |
| Principal and interest | $1,198 |
| Property taxes (1.04% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $80 |
| Total per month | $1,511 |
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Questions about home buying in Hadley
What is the median home value in Hadley?
About $181,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hadley?
Homeowners pay a median $1,894 a year, which is about 1.04% 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 Hadley?
For the median home with 20% down at 7.11%, the payment is about $1,209 a month. Keeping that under 28% of gross income takes about $51,816 a year.
More about Hadley
- Mortgage Refinance in Hadley
- Debt Relief in Hadley
- Home Equity Loans in Hadley
- 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