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Featured local agent — South Deerfield, MA
Sarah Mitchell
Compass Real Estate · South Deerfield, MA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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South Deerfield, MA Housing Market
The typical home in South Deerfield, MA is worth $462,813, rose 1.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $490,000 (through May 2026). With 2.0 months of supply and homes going under contract in about 18 days, South Deerfield is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $462,813 home is about $2,471/mo in principal and interest.
Key numbers for South Deerfield, MA
Typical home value
$462,813
+1.6% in 12 months
Zillow, August 2026
Median sale price
$490,000
Last published period
Redfin, through May 2026
Days on market
18
Fast-moving
Redfin, through May 2026
Active listings
2
2.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$97,250
Home costs 4.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
102.1%
Selling above 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 South Deerfield a buyer's or seller's market?
South Deerfield, MA is a seller's market, based on 2.0 months of supply and homes selling in about 18 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the South Deerfield housing market data show?
Every row below is Redfin's final published month for South Deerfield, MA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $490,000 |
| Median list price | $399,900 |
| Median price per sq ft | $341/sq ft |
| Median days on market | 18 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 102.1% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Listings with a price cut | 50.0% |
| 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 South Deerfield is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in South Deerfield 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 South Deerfield home prices moved?
Over the last three years the median sale price in South Deerfield, MA rose 6.5%, from $460,000 to $490,000. The live Zillow value series has rose 1.6% in the last 12 months, which is the more current read now that Redfin's series has stopped. 50.0% of South Deerfield listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.0 months while the sale-to-list ratio slips below its current 102.1%. 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 South Deerfield?
Priced off the typical home value of $462,813 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% | $92,563 | $370,250 | $2,471/mo |
| 5% | $23,141 | $439,672 | $2,934/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 $2,471, that implies roughly $105,889 a year before you add taxes and insurance. The median household in South Deerfield earns $97,250, about $8,639 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 4.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in South Deerfield in the next 12 months?
Tell us your timeline. We send the South Deerfield 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 South Deerfield?
Zillow does not publish a rent index (ZORI) for South Deerfield, 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 South Deerfield?
Active listings in South Deerfield, MA went from 5 in March 2025 to 2 in May 2026, a -60.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| April 2025 | 4 | 2 |
| June 2025 | 6 | 1 |
| July 2025 | 7 | 4 |
| August 2025 | 3 | not published |
| September 2025 | 3 | 2 |
| October 2025 | 1 | 1 |
| November 2025 | 3 | 2 |
| December 2025 | 3 | 1 |
| January 2026 | 1 | not published |
| February 2026 | 1 | not published |
| April 2026 | 2 | 3 |
| May 2026 | 2 | 1 |
Redfin, through May 2026
How does South Deerfield compare to Massachusetts and the U.S.?
South Deerfield homes sell for $490,000 — 29% below the Massachusetts median of $688,100. Against the national median of $410,700, South Deerfield runs 19% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| South Deerfield, MA | $490,000 | not published | 18 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 South Deerfield
What buyers should watch
- Months of supply, currently 2.0. 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 50.0%. 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 $463 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 $462,813 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 South Deerfield listing goes under contract in 18 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 102.1% of asking. Price at the number you want and let competition do the rest.
- In the last published month South Deerfield added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +1.6% 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 South Deerfield varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in South Deerfield
There are currently 2 homes listed for sale in South Deerfield, Massachusetts. The median listing price is $400K.
Active listings
2
Homes on market
Median list price
$400K
Avg. days on market
18
Days until sale
New this week
1
Newly listed
How much do homes cost in South Deerfield by property type?
How the South Deerfield, 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 | $490,000 | $341/sq ft | 1 | 18 days |
| Condo / co-op | $525,000 | $328/sq ft | 1 | 23 days |
| Townhouse | $280,000 | $183/sq ft | 1 | 72 days |
Who lives in South Deerfield?
American Community Survey estimates for South Deerfield. U.S. Census ACS, 2023
Population
1,822
Households
1,006
Median income
$97,250/yr
Median age
56.2 years
Owner-occupied
68.0%
Median home value
$419,100
Median gross rent
$1,333/mo
Mean commute
13.2 min
68.0% of occupied homes in South Deerfield are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $419,100 against Zillow's $462,813 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve South Deerfield?
2 schools tracked · 918 students
The largest public schools serving South Deerfield, MA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Frontier Regional
Grades 7-12 · 605 students
Deerfield Elementary
Grades PK-6 · 313 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near South Deerfield, MA?
Ordered by distance from South Deerfield, not by size. Compare South Deerfield side by side with any of them.
South Deerfield housing market FAQ
Is South Deerfield a buyer's or seller's market?
South Deerfield, MA is currently a seller's market. That read comes from 2.0 months of supply, homes going under contract in about 18 days, and sellers getting 102.1% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in South Deerfield?
The typical home in South Deerfield, MA is worth $462,813 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $490,000, about $341 per square foot.
Is South Deerfield cheaper than the rest of Massachusetts?
South Deerfield's median sale price of $490,000 is 29% lower than the Massachusetts statewide median of $688,100, and 19% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in South Deerfield?
Homes in South Deerfield, MA spent a median of 18 days on market before going under contract, versus 21 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in South Deerfield?
At the current 30-year fixed rate of 7.03%, 20% down on a $462,813 home is about $2,471 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $105,889 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $97,250.
Are home prices rising in South Deerfield?
The typical home value in South Deerfield, MA rose 1.6% over the last 12 months, from $455,631 to $462,813 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in South Deerfield?
South Deerfield 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 South Deerfield?
That depends on your timeline, not on a headline. What the data says today: South Deerfield, MA is a seller's market with 2.0 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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