FairUpdated OCT 1, 2026

Buckland, MA

ZIP 01338· Franklin County· Springfield, MA· 79 residents· Leaning Seller

01338 · Buckland, MA has a HavenScore of 48 — growth is the soft spot — population, income, and price trends point the wrong way.

The buyer/seller gauge leans narrowly toward sellers, and has for 7 months. Typical values moved lower over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $382,469 in Jun 2026; the latest value is -2.0% from that peak, 2 months on. Since January 2019 it is +71.9%. The sharpest 12-month move was -1.0%, ending Jul 2023.

Median price
$374,828
+3.51% past 12 mo
Est. monthly payment
$2,535/ mo
20% down · 30-yr fixed · 7.28% · incl. tax + insurance
52
HavenScore: higher than 38% of scored ZIPs.
▼ -5 / 90d#22/82 in MABuyer Score
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
—/100
Growth
37/100
Risk
59/100
Momentum
51/100
Livability
48/100
Score · trailing 12 mo
35 → 46
+11 points
30-day
-2
90-day
-5
1-yr
+11

Snapshot

Numbers at a glance, with a year of history under each

Median price
$374,828
up+3.5% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 56% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $374,828.
Est. monthly payment
$2,535
At the median value with 20% down, a 30-year fixed at 7.28%, plus property tax and insurance.
Active listings
2
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 1% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 2.
Days on market
94
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 93% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 94.
Price cuts
0.00%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is 0.00%.
Population
79
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 79.
Vacancy
0.0%
Below-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
91%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
20.9%
Average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
1,063
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-5.6%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$79k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityBelow-average walkability
EPA index 9.3 of 20 · EPA Smart Location Database · Jun 2021 · above 67% of scored ZIPs
Transit accessStop within a 10-minute walk
420 m to the nearest stop · EPA Smart Location Database · Jun 2021 · above 73% of scored ZIPs
Typical commuteLonger commute than typical
29 minutes one way · US median ZIP 22 · US Census ACS · above 11% of scored ZIPs
Jobs nearbyFew jobs nearby
24 jobs per sq mi · US Census LODES · above 16% of scored ZIPs
Physical riskRelatively Low (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 68% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 27 scored ZIPs in Franklin County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Springfield metro run 4% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 24% below the US average.

$75,000 at US-average prices buys what $72,050 buys here.

Metro-level index, US = 100 · 2024 · the Springfield metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income0%
US median ZIP 6%
Renters spending over 30% of income100%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

—/100

Growth momentum

37/100

Market risk

59/100

Momentum

51/100

Livability

48/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
9.3
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
419.7
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
23.7

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

Try Haven free for 14 days

Market signals

Tailwinds and headwinds right now

Top 5 of 14 signals
Tailwinds3
  • Strong price appreciation
    +3.5% year-over-year
  • Limited new supply
    Only 1.2 permits per 1,000 — supply constrained
  • Few price reductions
    Only 0% of listings cutting price
Headwinds2
  • Population outflow
    -5.6% net — people leaving
  • Slow-moving market
    94 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

The score reads conditions tightening in sellers' favor.

+36
Strong buyerBalancedStrong seller
Trend
Heating toward seller
Gauge since Mar 2026Seller's Market now

Cycle read. Accelerating: prices +3.5% over the trailing year, with the market leaning toward sellers.

Asking vs closed
Typical value (index)
$374,828
Zillow ZHVI · Oct 2026
Median sale price
$525,000
Redfin · Oct 2026
Sale-to-list
100.0%
Redfin · Oct 2026
Sold above list
0.0%
Redfin · Oct 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Days on market

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$382,469
Jun 2026
From peak
-2.0%
2 mo ago
Since Jan 2019
+71.9%
Worst 12 mo
-1.0%
to Jul 2023
Best 12 mo
+21.0%
since 2018

Zillow ZHVI peaked at $382,469 in Jun 2026; the latest value is -2.0% from that peak, 2 months on. Since January 2019 it is +71.9%. The sharpest 12-month move was -1.0%, ending Jul 2023.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankMassachusetts rank
1 yearup+3.5%+3.5%/yrHigher than 68% nationallyTop 24% in Massachusetts
3 yearsup+13.7%+4.4%/yrTop 23% nationallyTop 18% in Massachusetts
5 yearsup+25.0%+4.6%/yrHigher than 56% nationallyHigher than 32% in Massachusetts
10 yearsup+81.5%+6.1%/yrHigher than 51% nationallyHigher than 53% in Massachusetts
Since 2000up+151.0%+3.5%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Aug 2026
Bottom third (starter homes)
$246,017
up+28% 5Yup+95% 10Y
Middle third
$374,828
up+26% 5Yup+83% 10Y
Top third
$531,557
up+16% 5Yup+63% 10Y

Starter homes here rose 28% in five years while top-tier homes rose 16% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$362,121
-3.4%
80% range $351.1K–$381.9K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 54% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 1.7% over the twelve months from August 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

Haven · 14-day free trial · then from $8/mo

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Monthly cost

What you'd owe each month

Est. monthly payment
$2,535/ mo

20% down · 30-yr fixed · 7.28% · tax 1.14%

Principal$233
Interest$1,819
Property tax$356
Insurance$127
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,524 a year (Treasury Federal Insurance Office).

Run the numbers

Your price, rate, down payment and income

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · standard assumptions

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 7.28%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 01338 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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