Real Estate Investing in Cummington, Massachusetts (01026)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 01026 (Cummington, MA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 21.2% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cummington, MA (01026)?
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Market Analysis: 01026 Cummington
ZIP 01026 inside Hampshire County looks affordable on the surface — median value of $397K — but the discount exists for reasons that a careful buyer should understand before committing.
The 01026 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
The gap between 01026 and stronger Cummington ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 01026 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Cummington's stable or hybrid ZIPs before stepping into 01026. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Cummington:
Property Strategy for 01026
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $336,515 | $1,650 | 3.5% | +6.5% | $168,258 |
| 3BR | $417,244 | $2,060 | 3.6% | +5.8% | $139,081 |
Market Trends
Home Value History (with trend line)
📊 How Does 01026 Compare?
| Metric | 01026 | Cummington | Springfield, MA | Massachusetts |
|---|---|---|---|---|
| Home Value | $397,413 | $397,413 | N/A | $645,115 |
| 5-Year CAGR | 4.5% | 4.5% | N/A | 7.0% |
| Avg Rent | $1,485 | $1,485 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 01026 (Cummington, MA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $397,413 |
| Monthly Rent | $1,485 |
| Price-to-Rent | 22.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 7.4% |
📈 Home Appreciation
| 1-Year | +7.5% ▲ |
| 3-Year CAGR | +4.4% ▲ |
| 5-Year CAGR | +4.5% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 01026
Population: 1,005
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
Is housing expensive in Cummington, MA?
The median home value in Cummington, MA is roughly $397K. That puts it reasonable relative to the MA statewide average.
What do rentals go for in Cummington, MA?
The typical rental in Cummington, MA commands about $1,485/mo monthly. That rent profile reliable cash flow against the $397K purchase basis.
What type of investing works in Cummington, MA?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Cummington, MA. The numbers - $397K homes against $1,485/mo rents - support that play.
How do landlord-tenant laws work in Cummington, MA?
Cummington, MA falls under MA landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.
Is Cummington, MA a good place for real estate investing?
Our data puts Cummington, MA at 3.0/5 for investability. Home prices of $397K and rents around $1,485/mo create a solid backdrop for investor activity.
You know 01026 now. You don’t know where it ranks.
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How 01026 ranks in Springfield, MA
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