HomeMassachusettsHampshire CountyAmherst Town
Amherst Town, Massachusetts: commercial real estate data.
Amherst Town is a Census city of 38,182 people across 27.62 square miles of land, in Hampshire County. Median household income is $66,968, 44.2 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $6.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Amherst Town
What Amherst Town is
- Census place typecity
- Land area27.62 sq mi
- Water area0.13 sq mi
- Population per square mile of land1,382
- County holding the largest share of its areaHampshire County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst Town
How many people live in Amherst Town
- Population38,182
- Median age21.4
- Population under 182,868
- Share under 187.5 percent
- Population 65 and over3,875
- Share 65 and over10.1 percent
- Households9,700
- Family households4,120
- Share of households that are families42.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst Town
Income and work in Amherst Town
- Median household income$66,968
- Per capita income$30,708
- Civilian labor force19,061
- Employed17,592
- Unemployed1,469 plus or minus 306
- Unemployment rate7.7 percent plus or minus 1.6
- Adults 25 and over12,674
- Adults 25 and over with a high school diploma or higher96.9 percent
- Adults 25 and over with a bachelor degree or higher75.6 percent
- Adults 25 and over with a graduate degree53.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst Town
Housing in Amherst Town
- Housing units10,925
- Occupied units9,700
- Vacant units1,225 plus or minus 332
- Vacancy rate11.2 percent plus or minus 3.0
- Owner occupied4,288
- Renter occupied5,412
- Ownership rate44.2 percent
- Median owner-occupied home value$484,900
- Median gross rent, monthly$1,671
- Annual rent as a share of median income29.9 percent
- Single family units5,269
- Share single family48.2 percent
- Units in buildings of two or more5,656
- Share in buildings of two or more51.8 percent
- Mobile homes0
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst Town
How Amherst Town gets to work
- Workers 16 and over who commute12,597
- Commuting under 15 minutes6,189
- Share commuting under 15 minutes49.1 percent
- Commuting 30 minutes or more2,351
- Share commuting 30 minutes or more18.7 percent
- Drove alone40.7 percent
- Carpooled6.2 percent plus or minus 1.6
- Public transport8.4 percent plus or minus 2.4
- Walked20.4 percent
- Worked from home21.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst Town
SBA loans in Amherst Town (7(a))
- Approvals21
- Gross approval$6,176,300
- Average approval$294,110
- Median approval$150,000
- Ninetieth percentile approval$500,000
- Largest approval$1,860,700
- Jobs supported288
- Jobs per approval13.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders12
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Amherst Town, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Amherst Town
SBA loans in Amherst Town (504)
- Approvals3
- Gross approval$908,000
- Average approval$302,667
- Median approval$244,000
- Largest approval$502,000
- Jobs supported34
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Amherst Town, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Amherst Town
Flood risk in Amherst Town
- NFIP communityTown of Amherst
- NFIP community number250156
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/09/23
The Town of Amherst participates in the National Flood Insurance Program as community 250156 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Hampshire County, not Amherst Town
Hampshire County context, not Amherst Town figures
- Establishments in Hampshire County3,491
- Covered employment, Hampshire County65,786
- Average annual pay, Hampshire County$62,006
- Housing units permitted, Hampshire County318
Every figure in this section is published for Hampshire County as a whole and is not a measurement of Amherst Town.
All Hampshire County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Amherst Town questions, answered from the record.
How many people live in Amherst Town, Massachusetts?
38,182, in 9,700 households. Amherst Town city covers 27.62 square miles of land, which is 1,382 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Amherst Town in?
Hampshire County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Amherst Town?
$66,968. The median owner-occupied home is valued at $484,900. Median gross rent is $1,671 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Amherst Town businesses?
21 7(a) approvals totaling $6.2 m since FY2020, across 12 lenders, median approval $150,000, plus 3 504 approvals worth $908,000 since FY2010. These count approvals to borrowers whose address is in Amherst Town, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Amherst Town borrowers get paid back?
No rate is published for Amherst Town. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Amherst Town in the National Flood Insurance Program?
Yes. Amherst Town appears in the FEMA Community Status Book as Amherst, town of, community 250156, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Amherst Town figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hampshire County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Amherst Town.
Is zoning published for Amherst Town?
No. Nothing on this page presents parcel level zoning.
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