Rows tagged local are specific to Agawam Town (Census ACS); state rows are state averages; metro-area rows are inherited from Springfield, MA. Home value is ACS owner-reported (not a Zillow sale price).
School score: 6/10 (district Agawam · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
98.1
metro-area
#123 of 200 metros
Grocery index (US=100)
98.8
metro-area
#155 of 200 metros
Big Mac price (est.)
$5.58
metro-area
#122 of 200 metros
Median household income
$80,809
local
#1742 of 3,220 cities
Median wage (all occupations)
$51,877
local
#1056 of 3,220 cities
Who lives here
Metric
Value
Scope
US rank
Median age
39.8 years
metro-area
#135 of 200 metros
Bachelor's degree or higher (25+)
28.9%
metro-area
#146 of 200 metros
Foreign-born residents
9.4%
metro-area
#80 of 200 metros
Homes that are owner-occupied
62.2%
metro-area
#150 of 200 metros
Economy
Metric
Value
Scope
US rank
Unemployment rate
5.21%
local
#1842 of 3,220 cities
Population growth (5-yr)
-0.5%
local
#2442 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$272,100
local
#1169 of 3,220 cities
Home price ÷ income (affordability)
3.4×
local
#1144 of 3,220 cities
1-yr home appreciation
+2.7%
metro-area
#65 of 200 metros
Price per square foot
$160
local
#1336 of 3,220 cities
Typical home size (implied)
1,700 sqft
Median rent (monthly)
$1,218
local
#1027 of 3,220 cities
Homes for sale (inventory)
1,167
Median days on market
9
metro-area
#43 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
11.5%
state
#148 of 200 metros
Combined sales tax
6.25%
state
#29 of 200 metros
State income tax (top rate)
9.00%
Capital gains tax
9.00%
state
#160 of 200 metros
High earners
4% surtax on income over ~$1M (the 'Fair Share'/millionaires tax)
Social Security in retirement
Not taxed — does not tax Social Security benefits
Effective property tax rate
1.42%
local
#2267 of 3,220 cities
Median property tax paid
$3,875
local
#1712 of 3,220 cities
Health & childcare
Metric
Value
Scope
US rank
Life expectancy at birth
76.3 years
metro-area
#108 of 200 metros
Healthcare (annual, single adult)
$8,200
state
#193 of 200 metros
Uninsured (share of residents)
3.3%
metro-area
#3 of 200 metros
Primary care providers per 100k
67
metro-area
#147 of 200 metros
Childcare (annual, infant, center)
$21,000
state
#197 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$60
state
#19 of 200 metros
Vehicle property tax (annual)
2.25% of value (~$630/yr)
state
#181 of 200 metros
Emissions testing
Required
Emissions detail
Required in major metro counties
DMV & license offices
3
Avg commute to work
22 min
local
#489 of 3,220 cities
Commute by driving alone
77.8%
metro-area
#141 of 200 metros
Solo drivers commuting 30+ min
28.4%
metro-area
#67 of 200 metros
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
29.4¢/kWh
state
#166 of 200 metros
Avg monthly electric bill
$265
state
#166 of 200 metros
Gasoline
$3.30/gal
state
#94 of 200 metros
Natural gas (avg monthly bill)
$108
state
#198 of 200 metros
Water & sewer (avg monthly bill)
$71
state
#25 of 200 metros
Home internet (avg monthly bill)
$78
state
#77 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$1,800
state
#100 of 200 metros
Auto insurance (annual)
$1,500
state
#41 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed.
FEMA National Risk Index (0–100, higher = more risk)
92.8 — Relatively Moderate
metro-area
#126 of 200 metros
Flood insurance (annual, NFIP)
$800
state
#120 of 200 metros
Earthquake insurance (annual)
$100
state
#1 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
38
metro-area
#25 of 200 metros
Cooling degree-days (AC load)
700
metro-area
#25 of 200 metros
Homes with air conditioning (state)
87%
state
#151 of 200 metros
Heating degree-days (heat load)
5,600
metro-area
#138 of 200 metros
Days per year ≥ 90°F
11
metro-area
#49 of 200 metros
Days per year ≥ 100°F
0
metro-area
#5 of 200 metros
Avg summer high (state)
82°F
metro-area
#10 of 200 metros
Avg winter low
22°F
metro-area
#130 of 200 metros
Annual precipitation
47.1"
metro-area
#141 of 200 metros
Annual snowfall
51.7"
metro-area
#183 of 200 metros
Sunshine (% of possible)
56%
metro-area
#132 of 200 metros
Plant hardiness zone
6b
Frost window
04-20 → 10-20
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
330
state
#43 of 200 metros
Property crime (per 100k, state avg)
1,100
state
#3 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
26
metro-area
#143 of 200 metros
Parks
14
Hiking areas
4
Golf courses
3
Shooting ranges
1
Lakes
5
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
4
state
#147 of 200 metros
Permit detail
Difficult; zoning + review
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.