Real Estate Investing in Holland, Massachusetts (01521)

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

Hampden County • Population: 2,576 • Data updated: September 2026

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Should you buy in 01521 (Holland, MA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
2 flags
  • High vacancy: 24.3% 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 Holland, MA (01521)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $389,075
Avg Monthly Rent $1,602
1% Rule ✗ Does Not Meet
Median Income $81,250
% Renters 9.9%

Market Analysis: 01521 Holland

Not every below-median market is a bargain. Holland's 01521 ZIP reflects signals that favor experienced operators who can absorb the risk $389K pricing implies.

The 01521 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

ZIP 01521's metrics run below Hampden County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 01521 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Strategically, 01521 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Holland:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+7.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,602/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 01521

Which property type performs best in this market?

Best for Cash Flow
1BR
4.1% cap rate
Best for Appreciation
2BR
+8.5% 5yr CAGR
Best Overall Value
4BR
$106,489/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $249,039 $1,420 4.1% +8.4% $249,039
2BR $345,951 $1,780 3.7% +8.5% $172,976
3BR $402,504 $2,180 3.9% +7.8% $134,168
4BR $425,957 $2,360 4.0% +8.0% $106,489

Market Trends

Home Value History (with trend line)

$407K$356K$305K$255K$204K$153KJul 2006Jul 2016Jul 2026

📊 How Does 01521 Compare?

Metric 01521 Holland Springfield, MA Massachusetts
Home Value $389,075 $389,075 N/A $645,115
5-Year CAGR 6.8% 6.8% N/A 7.0%
Avg Rent $1,602 $1,602 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 01521? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 01521 (Holland, MA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+6.8%
Strong

📉 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 $389,075
Monthly Rent $1,602
Price-to-Rent 20.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 10.0%

📈 Home Appreciation

1-Year +7.8% ▲
3-Year CAGR +5.6% ▲
5-Year CAGR +6.8% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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
24.3%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.8%
Growing
Eviction process: Slow Rent control: Moderate

Demographics in 01521

Population: 2,576

💰 Median Household Income
$81,250
This area
$81,250
State
$107,356
USA
$74,580
🏠 Renter Occupied
9.9%
This area
9.9%
State
28.1%
USA
34.0%
💼 Unemployment Rate
4.1%
This area
4.1%
State
-8.0%
USA
3.7%
🎓 College Educated
30.6%
This area
30.6%
State
32.1%
USA
33.7%
👤 Median Age
51.2 years
This area
51.2 years
State
22.8 years
USA
38.9 years
🏚️ Vacancy Rate
24.3%
This area
24.3%
State
13.6%
USA
10.5%
👥 Population by Ethnicity
White 94.8%
Other/Mixed 4.4%
Asian 0.8%
Hispanic/Latino 0.2%
👶 Under 18
16.4%
This area
16.4%
USA
22.0%
👴 65 and Over
24.1%
This area
24.1%
USA
17.3%
📊 Poverty Rate
5.8%
This area
5.8%
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 01521

A+ Avg School Grade
1 Schools
10.8:1 Avg Class Size
$19,801 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Holland Elementary

📚 Pre-K – 06 School
👥
226 Students
👨‍🏫
10.8:1 Class Size
💰
$19,801 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

3 Nearby 39 Off-Campus Students
D
Southern Worcester County Regional Vocational School District
39 students · 11.8 mi
C
Nichols College
1,354 students · 12.1 mi
D
Technology Learning Center
24 students · 14.2 mi

Frequently Asked Questions

What investment strategy works best in Holland, MA?

For Holland, MA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Are renters plentiful in Holland, MA?

Tenant quality in Holland, MA ranks as solid. Landlords generally report predictable occupancy at market rents of $1,602/mo.

Is rental property easy to operate in Holland, MA?

Holland, MA operates under MA law, which is tenant-protective overall for landlords. Expect predictable treatment in typical lease and eviction cases.

How does Holland, MA stack up for property investment?

Our data puts Holland, MA at 3.0/5 for investability. Home prices of $389K and rents around $1,602/mo create a solid backdrop for investor activity.

How much should I expect to pay for a home in Holland, MA?

Homes in Holland, MA typically sell near $389K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

You know 01521 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 01521 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 01521 ranks in Springfield, MA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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