Market Overview
Home Prices in Charlemont, MA
The median home value in Charlemont, MA is $356,401 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.4% compared to a year ago and up 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Charlemont are priced13% below average. Charlemont is part of the Springfield, MA metro area.
Over the past five years, Charlemont home values have risen by approximately25.9%, reflecting strong long-term appreciation in this market.
Price History
Charlemont Home Price Trend
City Comparison
Charlemont vs. National Median
At $356,401, homes in Charlemont cost 13% below the national median of $410,000. This makes Charlemont a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Charlemont?
20% Down Payment
$71,280
on $356,401
Monthly P&I
$1,859/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,361/mo
incl. taxes & insurance
Income Needed
$94,440
gross annual (30% rule)
10% Down Option
$35,640
+ PMI applies
Loan Amount (20% dn)
$285,121
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Charlemont, MA?
The median home value in Charlemont is $356,401 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.4% year-over-year.
How much have home prices changed in Charlemont?
Over the past year, home values in Charlemont have increased by 0.4%. Over five years, prices have risen approximately 25.9%.
How much do I need to earn to buy a home in Charlemont?
To comfortably afford the median home price of $356,401 with a 20% down payment ($71,280) at today's rates (6.8%), you'd need a gross annual income of approximately $94,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Charlemont compare to the national average home price?
The national median home value is approximately $410,000. At $356,401, homes in Charlemont are 13% below the national average.
What metro area is Charlemont part of?
Charlemont is part of the Springfield, MA metropolitan area. Home prices and market conditions can vary across the broader metro region.