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12 School St, Northampton, MA, 01060

6beds
2baths
2,674sqft
$645,000
$241price/sqft
$4,724/moest. monthly cost
$188,960/yrincome needed

About This Home

Duplex / up & down, 3bdrms, LvRm, K, office-den, laundry room w/ washer & dryer (each side), bath, ..Kitchens have gas stove & refrigerators / Vinyl siding, updated plumbing, wiring & city sewer lines / attic & basement access, gas furnaces, hot-H2O heaters, separate utilities /replacement windows, insulated & property has a leadfree certificate. Very well maintained 7 excellent rental history / off-street parking. nice, level rear yard as well. Perfect family venture with 2 units or joint Buyers enjoying theirown unit etc. Recent rents have been $2400 / $2600 per month. Both sides empty now after recent updating .. come & take a look !

Getting Around

88
WalkingVery Walkable
52
TransitGood Transit
87
BikeVery Bikeable

Schools

4/10
6/10
9/10
Northampton High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Other

Type & Style

  • Home type: MultiFamily
  • Property subType: 2 Family - 2 Units Side by Side

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 2,674

Interior Area

  • Total structure area: 2,674
  • Total interior livable area: 2,674 sqft

Property

Details

  • Parcel number: 3720566
  • Zoning: URB - 31D

Lot

  • Lot size: 4,400 sqft
  • Features: Level

Parking

  • Total spaces: 4
  • Parking features: Off Street
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,261$39,132
Home Insurance *$191$2,292
Property Taxes $745$8,940
Electricity $527$6,327
Total$4,724$56,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,965/yr
40% on housing$141,720/yr
45% on housing$125,973/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 01060$287
Hampshire County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 01060$347
Hampshire County$264

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-04Price change$669,000
2025-10-21Price change$675,000
2025-10-10Listed for sale$725,000

For Sale by Agent

AgentDenny R. Nolan
BrokerageDenny Nolan Real Estate

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