Real Estate Investing in Hadley, Massachusetts (01035)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Hampshire County • Population: 5,299 • Data updated: September 2026

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Should you buy in 01035 (Hadley, MA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • 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 Hadley, MA (01035)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $534,467
Avg Monthly Rent $2,322
1% Rule ✗ Does Not Meet
Median Income $112,450
% Renters 25.6%

Market Analysis: 01035 Hadley

Investors eyeing 01035 need to respect the fundamentals at play. Home values of $534K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $534K asset, 01035 is the wrong submarket. If the plan prices in friction, the yield can still work.

Stepping back, 01035 offers a low basis, the region around Hadley has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 01035 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hadley:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+4.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,322/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Springfield, MA Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
10.5%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Springfield, MA metro data
🏠

Property Strategy for 01035

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best for Appreciation
2BR
+6.8% 5yr CAGR
Best Overall Value
5BR
$129,707/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $435,004 $2,580 4.3% +6.8% $217,502
3BR $485,619 $3,220 4.8% +6.7% $161,873
4BR $574,793 $3,480 4.4% +6.2% $143,698
5BR $648,535 +5.5% $129,707

Market Trends

Home Value History (with trend line)

$554K$497K$441K$384K$327K$270KJul 2006Jul 2016Jul 2026

📊 How Does 01035 Compare?

Metric 01035 Hadley Springfield, MA Massachusetts
Home Value $534,467 $534,467 N/A $645,115
5-Year CAGR 4.7% 4.7% N/A 7.0%
Avg Rent $2,322 $2,322 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 01035? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 01035 (Hadley, MA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+4.7%
Moderate

📉 Market Crash Risk Index

Based on Springfield, MA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
29%
Days Pending
0/2
30 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $534,467
Monthly Rent $2,322
Price-to-Rent 19.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 8.1%

📈 Home Appreciation

1-Year +4.9% ▲
3-Year CAGR +3.8% ▲
5-Year CAGR +4.7% ▲
10-Year CAGR +5.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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.

Vacancy
1.8%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+4.7%
Stable
Eviction process: Slow Rent control: Moderate

Demographics in 01035

Population: 5,299

💰 Median Household Income
$112,450
This area
$112,450
State
$107,356
USA
$74,580
🏠 Renter Occupied
25.6%
This area
25.6%
State
28.1%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-8.0%
USA
3.7%
🎓 College Educated
60.7%
This area
60.7%
State
32.1%
USA
33.7%
👤 Median Age
48.7 years
This area
48.7 years
State
22.8 years
USA
38.9 years
🏚️ Vacancy Rate
1.8%
This area
1.8%
State
13.6%
USA
10.5%
👥 Population by Ethnicity
White 91.6%
Other/Mixed 5.9%
Hispanic/Latino 3.9%
Asian 2.4%
Black/African American 0.1%
👶 Under 18
17.8%
This area
17.8%
USA
22.0%
👴 65 and Over
24.3%
This area
24.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
USA
11.5%

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

🎓 Schools in 01035

A+ Avg School Grade
3 Schools
9.2:1 Avg Class Size
$23,309 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Hopkins Academy

📚 07 – 12 High School
👥
211 Students
👨‍🏫
6.8:1 Class Size
💰
$24,748 Per Student
A+ Excellent
👥
552 Students
👨‍🏫
8.5:1 Class Size
💰
$20,432 Per Student
A+ Excellent

Hadley Elementary

📚 Pre-K – 06 School
👥
292 Students
👨‍🏫
12.2:1 Class Size
💰
$24,748 Per Student

Nearby Schools (2 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Hatfield Elementary

📚 Pre-K – 06 School
📍 33 Main Street, Hatfield
👥
196 Students
👨‍🏫
9.8:1 Class Size
💰
$23,271 Per Student
A+ Excellent

Smith Academy

📚 07 – 12 High School
📍 34 School Street, Hatfield
👥
126 Students
👨‍🏫
6.5:1 Class Size
💰
$23,271 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 1,436 Off-Campus Students
C
Hampshire College
717 students · 2.8 mi
B+
Amherst College
1,910 students · 2.8 mi
B+
University of Massachusetts-Amherst
31,810 students · 3.0 mi
B+
Smith College
2,830 students · 4.4 mi
C
Conway School of Landscape Design
18 students · 5.0 mi
B
Mount Holyoke College
2,330 students · 7.0 mi
C
Holyoke Community College
3,706 students · 11.9 mi
C
DiGrigoli School of Cosmetology
28 students · 14.8 mi

Investor Insight: With 1,436 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Hadley, MA suited for a house hack?

House hacking in Hadley, MA is a challenging. With home values around $534K and rents at $2,322/mo, owner-occupants can offset a meaningful share of PITI.

What is the investability score for Hadley, MA?

Our data puts Hadley, MA at 3.0/5 for investability. Home prices of $534K and rents around $2,322/mo create a solid backdrop for investor activity.

Are tenants stable in Hadley, MA?

Hadley, MA offers a predictable renter base at the $2,322/mo rent level. Tenant turnover is reasonable for well-managed properties.

Is Hadley, MA good for landlords?

MA law tenant-protective for landlords, and Hadley inherits those rules. Investors should still review local ordinances for rental licensing.

How much do tenants pay in Hadley, MA?

Hadley, MA rentals go for roughly $2,322/mo a month. That puts gross yield in solid territory relative to $534K acquisition costs.

You know 01035 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 01035 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 01035 ranks in Springfield, MA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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