Franklin County, MA Average Home Price (2026)
The average home price in Franklin County, Massachusetts is about $375,000 (the 2026 median across 27 ZIP codes, at ~$241/sq ft) — 39% more affordable than the Massachusetts median and 30% more expensive than the typical U.S. home.
How Franklin County compares
Franklin County is about average for housing nationally: its typical home costs $375,000 against $617,000 for Massachusetts and $289,000 for the U.S. Within the county, ZIP-level values run from about $159,000 to $519,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Franklin County | $375,000 | $241 |
| Massachusetts | $617,000 | $355 |
| United States | $289,000 | $193 |
Franklin County home prices by ZIP code
The 15 most valuable ZIP codes in Franklin County (of 27 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 01054 Leverett | $519,000 | $235 | +38% |
| 01093 Whately | $503,000 | $324 | +34% |
| 01375 Sunderland | $485,000 | $219 | +29% |
| 01341 Conway | $465,000 | $241 | +24% |
| 01373 South Deerfield | $462,000 | $307 | +23% |
| 01342 Deerfield | $458,000 | $230 | +22% |
| 01072 Shutesbury | $433,000 | $294 | +15% |
| 01330 Ashfield | $425,000 | $273 | +13% |
| 01350 Monroe Bridge | $420,000 | $221 | +12% |
| 01370 Shelburne | $413,000 | $254 | +10% |
| 01355 New Salem | $405,000 | $270 | +8% |
| 01351 Montague | $394,000 | $205 | +5% |
| 01337 Bernardston | $386,000 | $248 | +3% |
| 01360 Northfield | $375,000 | $203 | +0% |
| 01338 Buckland | $374,000 | $170 | +0% |
Home value appreciation in Franklin County
Home prices in Franklin County have risen about 91% over the last 10 years (≈6.7% a year) and +74.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +9.6% — still rising. A home worth $375,000 today was worth roughly $196,438 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Massachusetts is +87.1% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Franklin County
Run the numbers for Franklin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Franklin County
To buy the typical $375,000 home in Franklin County with 20% down, you need a household income of roughly $102,000 a year (about $2,380 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $121,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $18,800 | $2,960/mo | $127,000/yr |
| 10% (+PMI) | $37,500 | $2,830/mo | $121,000/yr |
| 20% | $75,000 | $2,380/mo | $102,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Franklin County
At about $241 per square foot, here is roughly how much home different budgets get you in Franklin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 830 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1040 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1240 sq ft | around the typical home here |
| $400k | 1660 sq ft | around the typical home here |
| $500k | 2070 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Massachusetts.
Estimate a specific home in Franklin County
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Franklin County home prices: frequently asked
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Browse all Massachusetts cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.