C+

Middlefield, MA

Source:

Affordability Score: 62/100

Population: 334 · 1 ZIP codes

The affordability dashboard for Middlefield, MA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 334 residents, then layers in county-level federal data to produce an overall grade of C+ (62/100). The headline inputs are median household income of $91,250, median home value of $292,900, median rent of per month, and 37.5% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $2,004 per month (studio $1,382, 1BR $1,580, 3BR $2,504, 4BR $2,702). Department of Labor data lists infant center-based childcare at $17,160 per year, consuming 19% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Middlefield, MA include income. Pressure points are childcare. Unemployment currently reads 4.5% and poverty 12.7% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B+
$91,250
Median household income
Education B-
37.5%
Bachelor's degree or higher
Housing C+
3.2x
Home value $292,900 vs income
Commute N/A
N/A
Average commute time
Rent C+
$2,004/mo
2BR fair market rent (26% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$17,160/yr
Center-based infant care (19% of income)

Income & Employment

Median Income
$91,250
▲ 47% vs national
Per Capita Income
$59,361
Unemployment Rate
4.5%
Poverty Rate
12.7%

Housing

Median Home Value
$292,900
▲ 7% vs national
Median Rent
Owner Occupied
97.4%
2BR Fair Market Rent
$2,004/mo
▲ 67% vs national

Fair Market Rents by Bedroom

Studio
$1,382
1BR
$1,580
2BR
$2,004
3BR
$2,504
4BR
$2,702

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
37.5%
▲ 8 ppt vs national
High School+
77.1%
Median Age
58.0
Avg. Commute

Childcare Costs

Infant (Center)
$17,160/yr
19% of income
Toddler (Center)
$15,668/yr
Preschool (Center)
$11,973/yr
School-Age (Center)
$10,533/yr

What This Means

Middlefield, MA receives an overall affordability grade of C+ (62/100), aggregated from 1 ZIP codes with a total population of 334. This area performs well in income. Challenges include childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Middlefield, MA affordable?
Middlefield, MA receives an overall affordability grade of C+ (62/100) based on Census, HUD, FBI, and DOL data. Median household income is $91,250. Median home value is $292,900.
What is the cost of living in Middlefield?
Key cost metrics: 2BR fair market rent $2,004/mo. Infant childcare $17,160/yr. Median home value $292,900.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →