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MarketsMassachusettsPittsfield

Cap Rate Analysis: Pittsfield, MA

Investment metrics, interactive calculators, and data-driven analysis for Pittsfield rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Challenging for pure cash flow
Based on $375,000 median price and $1,580/mo median rent
Est. Cap Rate
2.80%
1% Rule
0.42%
Fails
GRM
19.8x
Price / Income
7.7x

Market Data

Median Home Price$375,000
Median Monthly Rent$1,580
Property Tax Rate1.19%
Population50,000
Population Growth0.3% / yr
Median Household Income$48,680
Vacancy Rate5.3%
Annual Appreciation2.8%

Cap Rate Calculator — Pittsfield

Pre-filled with Pittsfield medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.19% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
2.29%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$8,583
net operating income
Gross Rent Multiplier
19.8x
High (>15)
1% Rule
0.42%
✗ Fails
Monthly Cash Flow
$715
before debt service
Annual Breakdown
Gross Rental Income$18,960
Less Vacancy−$1,005
Effective Income$17,955
Less Operating Expenses−$9,372
Net Operating Income$8,583
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Cash-on-Cash Return — Pittsfield

Factor in financing to see your actual return on invested capital in Pittsfield.

$
$93,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-10.49%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$105,000
$93,750 down + $11,250 closing
Monthly Mortgage
$1,834
on $281K loan
Monthly Cash Flow
$-918
after all expenses
Annual Cash Flow
$-11,010
before taxes
Cash Flow Breakdown
Monthly Rent$1,580
Less Expenses−$664
Less Mortgage−$1,834
Monthly Cash Flow$-918

Is Pittsfield a Good Place to Invest in Rental Property?

Pittsfield, MA has a population of 50,000 and has been growing at 0.3% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $375,000 paired with median rents of $1,580/mo produces an estimated cap rate of 2.80%.

Property taxes at 1.19% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 5.3% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 7.7x, homes cost about 7.7 times the local median income of $48,680. This elevated ratio means homeownership is stretched, supporting rental demand but limiting buyer pools. Home values have appreciated at roughly 2.8% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Pittsfield is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

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