Amherst Town-Northampton, MA
Amherst Town's housing market shows below-average risk, ranking 279th of 287 metros. The market recently entered Expansion.
Executive Summary
Risk is Below Average, driven primarily by migration and employment. The market is in Expansion phase. Liquidity is not yet assessed and valuation is not yet assessed.
Top Risk Drivers (This Month)
Factor Details
Factor Breakdown
12-month HPI change — higher = overheating
YoY permit change — higher = supply pressure
Permits per 1,000 residents — higher = overbuilding risk
Mortgage payment / income — higher = more burdened
12-month employment change (risk inverted)
Net AGI migration (risk inverted)
Underlying Values
| Metric | Value | Pctile |
|---|---|---|
| Price Momentum | +0.4% | p18 |
| Permit Growth | -18.4% | p20 |
| Permits/1K Pop | 1.62 | p12 |
| Affordability | 0.26 | p37 |
| Employment | +0.4% | p43 |
| Net AGI Migration | +$11K | p50 |
National ContextDoes not affect score
Credit Conditions
Credit Regime
Supply Pipeline
Supply Regime
Supply pipeline is building up while credit remains available. New units are accumulating in the system — watch for delivery pressure in coming quarters.
Internal Structure
County-level structural analysis.
County-level structural analysis is not available for this metro due to fewer than 3 qualifying counties.