Is Franklin County, MA good for real estate investing?

Franklin County has an investment score of 54/100, rated as "Hold". The county ranks #698 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Franklin?

The rent-to-price ratio in Franklin County is 6.04% annually, which ranks in the 52th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Franklin?

The median home price in Franklin County is $355,663. This ranks #720 in affordability among all US counties.

Can you cash flow on rental properties in Franklin?

Based on median values with 20% down at current rates, a typical rental in Franklin County would generate negative cash flow of $701/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Franklin County

MassachusettsPopulation: 70,980

/100

Hold

#698 of 1,000 counties

#3 in Massachusetts (14 counties)

Market Snapshot

$355,663

Median Home Price

30% above national median

$1,791/mo

Median Rent

20% above national median

6.04%

Rent-to-Price Ratio

Top 48% nationally

-$701

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$355,663

Down Payment (20%)$71,133

Loan Amount$284,530

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,791

Monthly P&I-$1,864

Est. Expenses (35%)-$627

Net Cash Flow-$701/mo

3.9%

Cap Rate (all cash)

-10.3%

Cash-on-Cash Return

6.04%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

54/100

Cash Flow(30%)

60/100

Based on 6.04% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

49/100

Based on -0.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

54/100

Price-to-income ratio of 5.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Declining home values (-0.2% YoY)
-Negative cash flow at typical financing (-$701/mo)
-Negative leverage (cap rate 3.9% < mortgage rate 6.9%)

Economic Indicators

Population

70,980

Median Income

$70,383

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

5.1x

Less affordable

Compare to Nearby Counties

County					Verdict
HampshireMA	56	$432,694	$2,395	6.64%	Hold	View
CurrentFranklinMA	54	$355,663	$1,791	6.04%	Hold
PlymouthMA	54	$621,944	$2,737	5.28%	Hold	View
BerkshireMA	54	$378,133	$1,554	4.93%	Hold	View
WorcesterMA	53	$481,357	$2,096	5.23%	Hold	View
BristolMA	49	$524,316	$2,034	4.66%	Hold	View

The Bottom Line

HoldFranklin is a neutral market. Consider house hacking or targeting below-market deals.

Franklin County in Massachusetts scores 54/100, ranking #698 of 1,000 US counties (top 70%). The 6.04% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-701/mo

Cap Rate

3.9%

Cash-on-Cash

-10.3%

Ready to Analyze a Deal in Franklin?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$355,663

Down Payment (20%)$71,133

Loan Amount$284,530

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,791

Monthly P&I-$1,864

Est. Expenses (35%)-$627

Net Cash Flow-$701/mo

3.9%

Cap Rate (all cash)

-10.3%

Cash-on-Cash Return

6.04%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

54/100

Cash Flow(30%)

60/100

Based on 6.04% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

49/100

Based on -0.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

54/100

Price-to-income ratio of 5.1x. Lower ratios indicate more affordable markets.

County

Verdict

HampshireMA

$432,694

$2,395

6.64%

Hold

View

CurrentFranklinMA

$355,663

$1,791

6.04%

Hold

PlymouthMA

$621,944

$2,737

5.28%

Hold

View

BerkshireMA

$378,133

$1,554

4.93%

Hold

View

WorcesterMA

$481,357

$2,096

5.23%

Hold

View

BristolMA

$524,316

$2,034

4.66%

Hold

View

The Bottom Line

HoldFranklin is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-701/mo

Cap Rate

3.9%

Cash-on-Cash

-10.3%