Market Overview
Home Prices in Middlefield, MA
The median home value in Middlefield, MA is $360,765 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.9% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Middlefield are priced12% below average. Middlefield is part of the Springfield, MA metro area.
Over the past five years, Middlefield home values have risen by approximately23.1%, reflecting strong long-term appreciation in this market.
Price History
Middlefield Home Price Trend
City Comparison
Middlefield vs. National Median
At $360,765, homes in Middlefield cost 12% below the national median of $410,000. This makes Middlefield a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Middlefield?
20% Down Payment
$72,153
on $360,765
Monthly P&I
$1,882/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,390/mo
incl. taxes & insurance
Income Needed
$95,600
gross annual (30% rule)
10% Down Option
$36,077
+ PMI applies
Loan Amount (20% dn)
$288,612
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 Middlefield, MA?
The median home value in Middlefield is $360,765 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.9% year-over-year.
How much have home prices changed in Middlefield?
Over the past year, home values in Middlefield have increased by 0.9%. Over five years, prices have risen approximately 23.1%.
How much do I need to earn to buy a home in Middlefield?
To comfortably afford the median home price of $360,765 with a 20% down payment ($72,153) at today's rates (6.8%), you'd need a gross annual income of approximately $95,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Middlefield compare to the national average home price?
The national median home value is approximately $410,000. At $360,765, homes in Middlefield are 12% below the national average.
What metro area is Middlefield part of?
Middlefield is part of the Springfield, MA metropolitan area. Home prices and market conditions can vary across the broader metro region.