Westfield, Massachusetts.
Typical home $384,096 (+3.6% in a year), asking rent $1,950 (+3.4%). Springfield, MA metro.
to buy the typical home at today's mortgage rate — +$1,120 (+125%) since Jan 2020.
- 1 year
- Up $13,479 +4%
- $370,617$384,096 since Sep 2025
- 5 years
- Up $89,800 +31%
- $294,296$384,096 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Westfield$2,016
- Massachusetts$3,439
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Westfield, MA rose 3.6% over the past year — faster than the nation's +1.2%.
Asking rents in Westfield, MA rose 3.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Westfield runs $955/mo more than renting one — the widest that gap has been in this data.
That is $2,904 a month against $1,950 rent: a $2,016 mortgage payment, plus $477 property tax and $411 insurance & upkeep.
Owning vs renting — Westfield
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,904
- Renting$1,950
- Mortgage only$2,016
Property tax · $477/mo 1.49% of value a year — the ACS 2020-2024 median bill over the median home value for Hampden County, MA
Insurance & upkeep · $411/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Westfield, Hampden County, Massachusetts
Westfield is a city of 40,834 people in Hampden County. Half its households earn more than $87,753 a year and half less, against $71,306 across Hampden County; 11% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Westfield was 4.5% in August 2026, and Hampden County had 0.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Westfield is a city in Hampden County, in western Massachusetts. Most homes are lived in by their owners, and household incomes run higher than across the county as a whole. A typical home is not cheap, and rents are on the high side too. Winters are cold and snowy, with January the coldest month, while July is warm. Rain and melted snow fall through the year, adding up to a fairly wet climate.
Work. Many residents work in schools, hospitals and social care, with manufacturing, retail, and professional and business services also employing a good share. Among the largest workplaces in town are Westfield Schools, Westfield State University and Baystate Noble Hospital. A typical commute is a fairly short drive, and some people work from home. Across Hampden County, the number of jobs slipped slightly last year, and unemployment in town has eased a little compared with a year earlier.
Things to do. Stanley Park, a botanical garden in or beside town, is the closest green space. A short drive away are Springfield Armory, a protected area with a long history, and the Westfield River, which suits time by the water. Robinson State Park, also a short drive off, offers a protected area for walking and being outdoors.
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- 15,822households
- 33%of adults have a degree
- 11%below the poverty line
- 26 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Hampden County had 201,216 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 35° and lows near 16°; warmest in July, with highs near 85° and lows near 61°. About 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Westfield Barnes Municipal Airport weather station, 2 miles away (NOAA).
Largest workplaces in Westfield
- Westfield SchoolsSchool district787FTE
- Westfield State UniversityUniversity or college745
- Tighe & BondEngineering services650
- WalmartWarehouse clubs and supercenters389
- MestekHeating units, baseboard, manufacturing385
- Baystate Noble HospitalGeneral hospital358FTE
- Savage ArmsBarrels, gun, manufacturing325
- Gulfstream WestfieldAircraft manufacturing262
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 50 workplaces with 20 or more staff, 5,980 people in all. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively high
- HurricanesRelatively moderate
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Westfield’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hampden County and the Springfield, MA metro.
Westfield home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Westfield$384,096
- Massachusetts$655,219
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Westfield listings, and the typical home goes pending in 13 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Westfield25.09%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Westfield13
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Westfield77
New listings per month
Sellers arriving at the market.
- Westfield33
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Westfield$356,254
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Westfield104.76%
Zip codes with a Westfield address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Westfield — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.