ZIP Code 01109 — Springfield, MA Home Prices (2026)
The typical home in ZIP 01109 (Springfield, Massachusetts) is worth about $284,000 at roughly $209 per square foot — 8% more affordable than the Springfield median and 3% more affordable than the typical U.S. home.
How 01109 compares
ZIP 01109 is one of the more affordable ZIP codes in Springfield: its typical home value of $284,000 ranks #9 of the 11 Springfield ZIP codes we track (the citywide range runs from $135,000 in 01103 to $344,000 in 01128). Per square foot it costs about $209, against $228 for Springfield as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 01109 | $284,000 | $209 |
| Springfield, MA | $308,000 | $228 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 01109
Using this ZIP’s rate of about $209 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $209,000 |
| 1,500 sq ft | $313,500 |
| 2,000 sq ft | $418,000 |
| 2,500 sq ft | $522,500 |
| 3,000 sq ft | $627,000 |
Salary needed to buy a home in ZIP 01109
To buy the typical $284,000 home in ZIP 01109 with 20% down, you need a household income of roughly $77,000 a year (about $1,800 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $92,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,200 | $2,240/mo | $96,000/yr |
| 10% (+PMI) | $28,400 | $2,140/mo | $92,000/yr |
| 20% | $56,800 | $1,800/mo | $77,000/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 ZIP 01109
At about $209 per square foot, here is roughly how much home different budgets get you in ZIP 01109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 720 sq ft | below the local median — condos, smaller or older homes |
| $200k | 960 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1200 sq ft | around the typical home here |
| $300k | 1440 sq ft | around the typical home here |
| $400k | 1910 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 pre-filled with a typical 01109 home.
Estimate a specific home in 01109
The estimator below is pre-set to ZIP 01109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Springfield ZIP codes by home value
Where 01109 sits among Springfield’s 11 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 01128 | $344,000 | $286 |
| 2 | 01129 | $328,000 | $229 |
| 3 | 01118 | $328,000 | $227 |
| 4 | 01107 | $320,000 | $242 |
| 5 | 01119 | $318,000 | $246 |
| 6 | 01108 | $308,000 | $203 |
| 7 | 01151 | $296,000 | $228 |
| 8 | 01104 | $295,000 | $241 |
| 9 | 01109 (this page) | $284,000 | $209 |
| 10 | 01105 | $265,000 | $137 |
| 11 | 01103 | $135,000 | $162 |
ZIP 01109 home prices: frequently asked
What is the average home price in ZIP code 01109? +
What is the price per square foot in 01109? +
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Is 01109 an expensive ZIP code? +
See the full Springfield home values page, all Massachusetts cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.