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Featured local agent — Phillipston, MA
Sarah Mitchell
Compass Real Estate · Phillipston, MA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Phillipston, MA Housing Market
The typical home in Phillipston, MA is worth $440,318, rose 4.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $225,000, -3.2% year over year (through May 2026). With 1.6 months of supply and homes going under contract in about 23 days, Phillipston is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $440,318 home is about $2,351/mo in principal and interest.
Key numbers for Phillipston, MA
Typical home value
$440,318
+4.7% in 12 months
Zillow, August 2026
Median sale price
$225,000
-3.2% year over year
Redfin, through May 2026
Days on market
23
Average pace
Redfin, through May 2026
Active listings
8
1.6 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
85.7%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Phillipston a buyer's or seller's market?
Phillipston, MA is a seller's market, based on 1.6 months of supply and homes selling in about 23 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Phillipston housing market data show?
Every row below is Redfin's final published month for Phillipston, MA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $225,000 |
| Median list price | $510,000 |
| Year-over-year price change | -3.2% |
| Median price per sq ft | $207/sq ft |
| Median days on market | 23 days |
| Active inventory | 8 listings |
| Months of supply | 1.6 months |
| Sale-to-list price ratio | 85.7% |
| Homes sold (that month) | 5 |
| New listings (that month) | 3 |
| Listings with a price cut | 25.0% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Phillipston is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Phillipston is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Phillipston home prices moved?
Over the last three years the median sale price in Phillipston, MA fell 46.7%, from $422,450 to $225,000. The live Zillow value series has rose 4.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 25.0% of Phillipston listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 1.6 months while the sale-to-list ratio slips below its current 85.7%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Phillipston?
Priced off the typical home value of $440,318 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $88,064 | $352,255 | $2,351/mo |
| 5% | $22,016 | $418,302 | $2,791/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,351, that implies roughly $100,743 a year before you add taxes and insurance. We do not hold a Census income figure for Phillipston, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Phillipston in the next 12 months?
Tell us your timeline. We send the Phillipston market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Phillipston?
Zillow does not publish a rent index (ZORI) for Phillipston, MA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Phillipston?
Active listings in Phillipston, MA went from 7 in November 2024 to 8 in May 2026, a +14.3% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| December 2024 | 7 | not published |
| March 2025 | 7 | 3 |
| May 2025 | 14 | 11 |
| June 2025 | 14 | 2 |
| July 2025 | 11 | 3 |
| August 2025 | 10 | not published |
| September 2025 | 9 | 4 |
| October 2025 | 4 | 1 |
| November 2025 | 2 | 1 |
| December 2025 | 2 | not published |
| January 2026 | 2 | not published |
| May 2026 | 8 | 3 |
Redfin, through May 2026
How does Phillipston compare to Massachusetts and the U.S.?
Phillipston homes sell for $225,000 — 67% below the Massachusetts median of $688,100. Against the national median of $410,700, Phillipston runs 45% lower. Year-over-year, Phillipston moved -3.2% against Massachusetts's +0.8% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Phillipston, MA | $225,000 | -3.2% | 23 days |
| Massachusetts statewide | $688,100 | +0.8% | 21 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Phillipston
What buyers should watch
- Months of supply, currently 1.6. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 25.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $441 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $440,318 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Phillipston listing goes under contract in 23 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 85.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Phillipston added 3 new listings against 5 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +4.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Phillipston varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Phillipston
There are currently 8 homes listed for sale in Phillipston, Massachusetts. The median listing price is $510K.
Active listings
8
Homes on market
Median list price
$510K
Avg. days on market
23
Days until sale
New this week
3
Newly listed
How much do homes cost in Phillipston by property type?
How the Phillipston, MA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $225,000 | $207/sq ft | 5 | 23 days |
Which cities are near Phillipston, MA?
Ordered by distance from Phillipston, not by size. Compare Phillipston side by side with any of them.
Phillipston housing market FAQ
Is Phillipston a buyer's or seller's market?
Phillipston, MA is currently a seller's market. That read comes from 1.6 months of supply, homes going under contract in about 23 days, and sellers getting 85.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Phillipston?
The typical home in Phillipston, MA is worth $440,318 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $225,000, about $207 per square foot.
Is Phillipston cheaper than the rest of Massachusetts?
Phillipston's median sale price of $225,000 is 67% lower than the Massachusetts statewide median of $688,100, and 45% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Phillipston?
Homes in Phillipston, MA spent a median of 23 days on market before going under contract, versus 21 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Phillipston?
At the current 30-year fixed rate of 7.03%, 20% down on a $440,318 home is about $2,351 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $100,743 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Phillipston?
The typical home value in Phillipston, MA rose 4.7% over the last 12 months, from $420,659 to $440,318 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Phillipston?
Phillipston ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Phillipston?
That depends on your timeline, not on a headline. What the data says today: Phillipston, MA is a seller's market with 1.6 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $440,318, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.