Real Estate Investing in Worthington, Massachusetts (01098)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 01098 (Worthington, 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: 22.2% of homes vacant — above national norms.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 28.6 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Worthington, MA (01098)?
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Market Analysis: 01098 Worthington
This part of Hampshire County is not an easy win. The 01098 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 01098 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Regionally, 01098 sits on the difficult end of the MA spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
Demographically, 01098 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Experienced landlords with local relationships tend to find 01098 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Worthington:
Property Strategy for 01098
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $345,391 | $1,350 | 2.8% | +6.9% | $172,696 |
| 3BR | $414,243 | $1,650 | 2.9% | +6.6% | $138,081 |
| 4BR | $471,856 | $1,840 | 2.8% | +5.3% | $117,964 |
Market Trends
Home Value History (with trend line)
📊 How Does 01098 Compare?
| Metric | 01098 | Worthington | Springfield, MA | Massachusetts |
|---|---|---|---|---|
| Home Value | $417,632 | $417,632 | N/A | $645,115 |
| 5-Year CAGR | 5.4% | 5.4% | N/A | 7.0% |
| Avg Rent | $1,215 | $1,215 | N/A | - |
| Cap Rate | 2.3% | 2.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 01098 (Worthington, MA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $417,632 |
| Monthly Rent | $1,215 |
| Price-to-Rent | 28.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.3% |
| 5-Year IRR | 7.7% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +4.8% ▲ |
| 5-Year CAGR | +5.4% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 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 (2.3%). 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 01098
Population: 1,019
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 01098
Schools in This ZIP Code
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.
Frequently Asked Questions
Do landlords face vacancy issues in Worthington, MA?
Vacancy risk in Worthington, MA is elevated. That supports even-keeled cash flow for typical rental holds.
What price range are homes in Worthington, MA?
Worthington, MA home values average about $418K. That price point suits investors targeting rentals with $1,215/mo in monthly income.
Which real estate strategy fits Worthington, MA?
Investors usually favor careful cash-flow rentals with hands-on management in Worthington, MA. With home values at $418K and rents near $1,215/mo, other strategies can work but produce consistent rather than outsized returns.
Does a duplex house hack pencil in Worthington, MA?
House hacking in Worthington, MA is a challenging. With home values around $418K and rents at $1,215/mo, owner-occupants can offset a meaningful share of PITI.
How much is rent in Worthington, MA?
Expect rents around $1,215/mo per month in Worthington, MA. With home values at $418K, the yield math works out to reasonable levels for rental investors.
You know 01098 now. You don’t know where it ranks.
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How 01098 ranks in Springfield, MA
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