Total monthly cost of ownership
Cost to Own a Home in Adams, Massachusetts
A $189,000 home here costs
$1,806per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $972. The real number is $834 higher every month — 86% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Adams against Berkshire County and Massachusetts
| Measure | Adams | Berkshire County |
|---|---|---|
| Median home value | $189,100 | $283,800 |
| Median property tax | $3,610 | $3,891 |
| Effective tax rate | 1.909% | 1.371% |
| Median gross rent | $909 | $1,042 |
| Population | 5,584 | 128,047 |
The weather behind that power bill
Adams sits in Berkshire County, which averages a high of 79.3°F in its hottest month and a low of 13.9°F in its coldest, with 44.23" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 344 cooling and 7,224 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Berkshire County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Berkshire County
Full Berkshire County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Adams?
A $189,000 home in Adams, Massachusetts costs approximately $1,806 per month with 20% down at 6.66%. That is $972 principal and interest, $301 property tax, $49 homeowners insurance, $327 utilities and $158 set aside for maintenance.
What is the property tax rate in Adams?
Adams has an effective property tax rate of 1.909%, based on a median home value of $189,100 and median real estate taxes of $3,610. That is higher than the Berkshire County average of 1.371%.
What is the average home price in Adams?
The median owner-occupied home value in Adams, Massachusetts is $189,100, against $283,800 across Berkshire County.
Is it cheaper to rent or buy in Adams?
Median gross rent in Adams is $909 a month, against $1,806 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Adams — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Massachusetts.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.