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Massachusetts real estate · Franklin County

Whately, Massachusetts Real Estate

Homes, values and local insight for Whately, Franklin County, Massachusetts. Typical home value $539,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$539,000Typical home value
+0.7%Home values, past year
1,626Residents (2024)
$103,000Median household income
Homes for sale

Shop Whately homes

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About Whately

Whately is a distinctive Massachusetts community that offers residents a blend of local character, quality amenities, and regional convenience.

The Whately real estate market serves a range of buyers including first-time homeowners, growing families, professionals, and retirees. Properties include single-family homes, condominiums, and townhouses across various price points and styles that reflect the area's architectural heritage and modern development.

Winslow Homes LLC and Ryan & Megan Winslow serve Whately buyers and sellers across Massachusetts. Ryan and Megan Winslow provide both real estate brokerage and mortgage services as Mortgage Bankers with The Federal Savings Bank (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.

Neighborhood Breakdown

Explore Whately Neighborhoods

🏘 Downtown Whately

Historic center with local shops, dining, and civic institutions.

🏠 North Whately

Residential area with established neighborhoods and good school access.

🏡 South Whately

Quiet residential streets with a mix of homes and convenient commuter access.

🏢 East Whately

Expanding area with newer construction and family-friendly amenities.

Specialty Housing

Unique Property Types in Whately

🌊 Lake and Pond Access

Properties with lake, pond, or reservoir access where available in Whately.

💧 Stream and River Properties

Homes near local waterways offering natural settings and scenic views.

Flood Zones & Insurance Impact

What Every Buyer Must Know

🔴 Zone AE (High Risk)

Some areas of Whately near waterways may fall in AE flood zones. Verify specific property with FEMA flood map.

🟡 Zone X-Shaded (Moderate Risk)

Moderate flood risk exists in select Whately areas near wetlands or drainage basins.

🟢 Zone X (Minimal Risk)

Most Whately properties are in Zone X (minimal flood risk). Flood insurance optional but may be recommended.

Insurance Tip: Massachusetts homeowners insurance averages $1,500-$2,200 annually. Coastal properties may need additional windstorm coverage.

Investment & Rental Potential

Real Estate Investment in Whately

💰 Long-term Buy and Hold

Steady appreciation and rental demand make Whately suitable for long-term wealth building.

🏘 Rental Property Investment

Rental demand in Whately supports cash flow strategies for single-family and multifamily properties.

🔧 Fix and Hold

Older properties in Whately offer value-add opportunities through renovation and modernization.

⚠️ Investment Risks

Whately investment risks include regional market volatility, property tax changes, and insurance cost increases. Work with experienced agents to assess individual opportunities.

New Construction

Where New Homes Are Being Built

🏗 Outer Whately

New development zones on the outskirts of Whately offer modern construction and newer floor plans.

Buyer Tips for New Construction: Always hire your own inspector for new builds. Review CDD obligations carefully. Negotiate upgrades, not price. A buyer's agent costs you nothing with new construction and provides critical representation.

Commute Pockets

Drive Times & Work-From-Anywhere

🚌 Regional Employment Centers

Convenient access from Whately to nearby cities via major roads and highways.

🏙 Metropolitan Hub

Whately residents commute to regional metropolitan areas for employment and entertainment.

💻 Remote Work Lifestyle

Whately supports remote workers with reliable broadband access, quiet residential settings, and home office-friendly properties.

Taxes & Cost of Living

Your Dollar in Whately

🏦 Property Taxes

Massachusetts property tax averages 1.14% statewide. Senior citizen and veteran exemptions available. Residential tax rate varies by town.

💵 Massachusetts Tax Considerations

Massachusetts has a flat 5% income tax rate plus a 4% surtax on income over $1M (effective 2023). Property tax rates vary by municipality. The residential exemption in some communities reduces the assessed value of owner-occupied homes. No sales tax on clothing under $175.

🛒 Cost of Living

Cost of living in Whately aligns with regional Massachusetts averages. Housing remains the largest expense category.

🏥 Insurance Costs

Homeowners insurance in Whately averages $1,200-$2,500 annually. Coverage varies by property age, value, and risk factors.

Lifestyle & Community

Living the Whately Life

🌳 Outdoor Recreation

Whately offers parks, trails, and outdoor recreation opportunities year-round.

🍽 Dining and Culture

Local restaurants, cafes, and cultural venues provide community gathering spaces in Whately.

🛒 Shopping and Services

Local retail, services, and major shopping areas accessible within and near Whately.

Jobs & Economy

Employment & Economic Drivers

🏥 Local Services

Retail, professional services, and hospitality anchor the Whately economy.

💼 Regional Employment

Residents also commute to regional employment centers for professional opportunities.

💼 Remote Work & Entrepreneurship

Remote work grows as a major economic factor in Whately, supported by quality broadband and home-office friendly properties.

Transportation & Commuting

Getting Around Whately

🛣 Major Roads

Whately connects to major highways and arterials providing access to regional destinations.

🚲 Biking & Walking

Whately offers walkable neighborhoods and bike-friendly areas in the town center and residential zones.

✈️ Airport Access

Whately residents access regional airports within reasonable driving distance for domestic and international travel.

New Development & Growth

What's Coming to Whately

🏗 Emerging Whately Zones

Expanding development areas bringing new construction to Whately.

📈 Market Outlook

The Whately market outlook remains positive with steady demand, moderate appreciation, and balanced inventory conditions expected through 2026.

Investment Insights

Real Estate Investment in Whately

💰 Entry Strategy

Pre-approve financing before searching. Work with Whately-focused agents.

📈 Holding Strategy

Long-term holds in Whately benefit from regional appreciation trends.

DISCUSS INVESTMENT STRATEGY

Common Buyer Mistakes

Avoid These Costly Errors

❌ Skipping Pre-Approval

Get pre-approved with Ryan & Megan Winslow, Mortgage Bankers with The Federal Savings Bank, before shopping.

❌ Ignoring Total Cost

Budget for taxes, insurance, HOA, and maintenance beyond the mortgage payment.

❌ Skipping a Local Agent

A local Whately agent knows which streets flood, which buildings have pending special assessments, and which neighborhoods are appreciating fastest. Buyer agent services are free to the buyer in most transactions.

Market data

Whately by the numbers

The typical home in Whately is worth $539,000, 44% above the Franklin County typical value of $374,000 and 19% below the Massachusetts typical value of $662,000.

Typical home value

$539,000

Zillow Home Value Index for Whately, August 2026. The middle of the market for single family homes and condos.

5 year change

+19.4%

Home values in Whately moved +19.4% over five years and +63.8% over ten.

Median rent

$1,622/mo

Median gross rent in Whately. Useful for investors running rental numbers.

Homeownership

85%

Share of occupied homes in Whately lived in by the owner.

Median year built

1973

Older homes often need inspection focus on roof, systems and windows.

Household income

$103,000

Median household income in Whately.

Mortgage planning for a home in Whately
Financing

Buying in Whately with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Whately home of $539,000:

  • FHA, 3.5% down: $18,850 down, loan of $520,000
  • Conventional, 5% down: $26,929 down, loan of $512,000
  • Conventional, 20% down: $108,000 down, loan of $431,000
  • VA, 0% down for eligible veterans, loan of $539,000
Selling

What is your Whately home worth?

Ryan and Megan price Whately homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Whately
Nearby

Towns near Whately

Franklin County

More in Franklin County

See the full Franklin County real estate guide or the Massachusetts real estate guide.

FAQ

Common questions

What is the typical home value in Whately, MA?

The Zillow Home Value Index for Whately was $539,000 in August 2026, +0.7% over the past year.

What county is Whately in?

Whately is in Franklin County, Massachusetts.

How many people live in Whately?

About 1,626 people as of the 2024 Census Bureau estimate, up from 1,616 in 2020.

Who are the best real estate agents in Whately?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.

How do I get pre-approved to buy in Whately?

Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.

Do most people in Whately own or rent?

85% of occupied homes in Whately are owner occupied, based on the 2019 to 2023 American Community Survey.

Talk to Ryan and Megan

Ready to move in Whately?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Whately, MA

Get coming-soon homes, pocket listings and price drops in Whately, MA before they hit the big home search sites.

Whately home values by ZIP code

The typical home in Whately is worth $506,870 as of August 2026, across 2 ZIP codes ranging from $463,851 in 01039 to $506,870 in 01093. Values moved +2.5% over the last 12 months at the middle ZIP code.

ZIPTypical value12 months5 yearsMedian sale, Mar to May 2026Days on market
01039$463,851+2.5%+21.1%$468,75055
01093$506,870+2.2%+22.4%

Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.