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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

West Springfield Town, MA Housing Affordability Index

West Springfield Town, Massachusetts has an MBR Housing Affordability Index score of 82.1 (Moderately Less Affordable) as of October 30, 2026, ranking 71st most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $321,500 home with 20% down, the Massachusetts average 30-year fixed rate of 7.10% means a monthly principal and interest payment of about $1,729, or 30% of the city’s $69,371 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Springfield Town is updated every night from live Massachusetts mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

West Springfield Town MBR-HAI 82.1 Moderately Less Affordable
Rank in Massachusetts 71 of 193 1 = most affordable
Massachusetts 76.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.10% Massachusetts lenders
Median home value $321,500 U.S. Census Bureau

West Springfield Town is 6.2 points above the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View West Springfield Town Mortgage Rates

What It Takes to Buy in West Springfield Town

$1,729/mo
Principal & Interest
Median home, 20% down, 7.10%
$74,100
Income Needed
To keep the payment at 28% of income
$69,371
Median Household Income
Massachusetts: $103,960
4.6x
Price-to-Income Ratio
Massachusetts: 5.4x
$1,620/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,177/yr
Median Property Tax
1.30% of median value
26.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for West Springfield Town, Massachusetts. The rate is the Massachusetts average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How West Springfield Town Ranks in Massachusetts

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Cite the West Springfield Town Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Springfield Town, Massachusetts score: 82.1 (Moderately Less Affordable), ranked 71 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/west-springfield-town”