Total monthly cost of ownership
Cost to Own a Home in Hatfield, Massachusetts
A $460,000 home here costs
$3,607per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,365. The real number is $1,242 higher every month — 53% 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.
Hatfield against Hampshire County and Massachusetts
| Measure | Hatfield | Hampshire County |
|---|---|---|
| Median home value | $460,300 | $363,400 |
| Median property tax | $4,957 | $5,326 |
| Effective tax rate | 1.077% | 1.466% |
| Median gross rent | $846 | $1,332 |
| Population | 1,361 | 156,595 |
The weather behind that power bill
Hatfield sits in Hampshire County, which averages a high of 84.9°F in its hottest month and a low of 15.5°F in its coldest, with 45.16" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 677 cooling and 6,330 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Hampshire County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hampshire County
Full Hampshire County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Hatfield?
A $460,000 home in Hatfield, Massachusetts costs approximately $3,607 per month with 20% down at 6.66%. That is $2,365 principal and interest, $413 property tax, $119 homeowners insurance, $327 utilities and $383 set aside for maintenance.
What is the property tax rate in Hatfield?
Hatfield has an effective property tax rate of 1.077%, based on a median home value of $460,300 and median real estate taxes of $4,957. That is lower than the Hampshire County average of 1.466%.
What is the average home price in Hatfield?
The median owner-occupied home value in Hatfield, Massachusetts is $460,300, against $363,400 across Hampshire County.
Is it cheaper to rent or buy in Hatfield?
Median gross rent in Hatfield is $846 a month, against $3,607 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 Hatfield — 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.