Market Overview
Home Prices in Cummington, MA
The median home value in Cummington, MA is $401,677 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.8% compared to a year ago and down 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cummington are priced2% below average. Cummington is part of the Springfield, MA metro area.
Over the past five years, Cummington home values have risen by approximately18.5%, reflecting steady appreciation in this market.
Price History
Cummington Home Price Trend
City Comparison
Cummington vs. National Median
At $401,677, homes in Cummington cost 2% below the national median of $410,000. This makes Cummington a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cummington?
20% Down Payment
$80,335
on $401,677
Monthly P&I
$2,095/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,661/mo
incl. taxes & insurance
Income Needed
$106,440
gross annual (30% rule)
10% Down Option
$40,168
+ PMI applies
Loan Amount (20% dn)
$321,342
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 Cummington, MA?
The median home value in Cummington is $401,677 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.8% year-over-year.
How much have home prices changed in Cummington?
Over the past year, home values in Cummington have increased by 1.8%. Over five years, prices have risen approximately 18.5%.
How much do I need to earn to buy a home in Cummington?
To comfortably afford the median home price of $401,677 with a 20% down payment ($80,335) at today's rates (6.8%), you'd need a gross annual income of approximately $106,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Cummington compare to the national average home price?
The national median home value is approximately $410,000. At $401,677, homes in Cummington are 2% below the national average.
What metro area is Cummington part of?
Cummington is part of the Springfield, MA metropolitan area. Home prices and market conditions can vary across the broader metro region.