First-time buyer programs
MassHousing sets its own income and price limits for Franklin County. We check them with you before you shop.
MassHousing home loansAshfield is a hill town in western Franklin County, in the eastern foothills of the Berkshires along the Hampshire County line. It was settled in 1743 as Huntstown and incorporated under its current name in 1765. Its town center, Ashfield Plain, sits along Route 116 near the junction with Route 112, with Ashfield Lake and the South River nearby.
Most of Ashfield uses ZIP code 01330; a section of town near Shelburne Falls uses 01370.
| Area | Zip code | Where it is |
|---|---|---|
| Ashfield Plain | 01330 | The town center along Route 116, where Town Hall, the library and the general store are located. |
| Beldingville | 01330 | A historic section in the northern part of town. |
| Baptist Corner | 01330 | A historic section in the northern part of town. |
Start with Ashfield Lake and Elmer's Store, then 2 more below.
A town lake off Route 116 used for swimming, fishing and non-motorized boating, and the source of the South River.
Route 116, Ashfield, MA
A country store and restaurant on Main Street serving weekend breakfast and brunch and Friday dinners, a long-running gathering spot in the town center.
396 Main St, Ashfield, MA 01330
Plan a visitAn annual town festival on Columbus Day weekend with live music, food vendors and crafts on the town common and at Elmer's Community Center.
Ashfield town center
A state wildlife management area with trails and brook access for hiking and birdwatching.
Ashfield, MA
The area was settled by Europeans in 1743 and originally called Huntstown for Captain Ephraim Hunt; it was reincorporated under the name Ashfield in 1765.
Ashfield had a notable nineteenth-century peppermint-growing and distilling industry alongside its agrarian economy.
Ashfield's hills, brooks and lake give it a mix of swimming, fishing and woodland trails typical of the Franklin County hill towns.
1 places in Ashfield to try, including country store and restaurant. No one paid to be listed.
Country store and restaurant
A general store and restaurant in the town center serving weekend breakfast and brunch and Friday dinners.
396 Main St, Ashfield, MA 01330 · elmersstore.com
Ashfield Plain has sidewalks connecting Town Hall, the library and the general store, but the rest of this hill town is rural and built for driving.
Approximate, without traffic.
Ashfield has no fixed-route public transit or train service; the nearest Amtrak Valley Flyer station is in Greenfield, about 25-30 minutes away by car.
Ashfield's FY2026 residential tax rate is $14.23 per $1,000 of assessed value. Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $1,423 a year. The average single-family tax bill was $5,518, on an average assessed value of $387,740.
$14.23per $1,000, residential
Source: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
| Fiscal year | Residential rate |
|---|---|
| FY2022 | $17.38 |
| FY2023 | $17.61 |
| FY2024 | $14.61 |
| FY2025 | $13.46 |
| FY2026 | $14.23 |
What we check on a Ashfield purchase: MassHousing limits, the flood map, the smoke certificate, well & septic, transfer station.
MassHousing sets its own income and price limits for Franklin County. We check them with you before you shop.
MassHousing home loansThe South River and its tributaries, including Ashfield Lake's outlet, put some low-lying parcels in FEMA-mapped flood zones. We check FEMA's map before you offer.
FEMA's flood map for AshfieldMassachusetts requires the seller to get a smoke and carbon monoxide certificate from the Ashfield Fire Department before the sale closes.
Ashfield Fire Department pageAshfield has no town water or sewer system, so every property relies on a private well and septic system. Buyers should budget for a Title 5 septic inspection before closing and a well water test.
Ashfield does not offer curbside trash collection; residents bring waste and recycling to the town transfer station with an annual permit sticker.
All loans are subject to credit approval, underwriting, and property and program requirements. MassHousing limits and eligibility are set by MassHousing and change from time to time.
We're licensed in Massachusetts. Send us a Ashfield address and we'll run the numbers, taxes included.
Who to call in Ashfield: Eversource for power.
851 Ashfield Mountain Road, Ashfield, MA 01330 Thursday 8am-noon, Saturday 8am-4pm, Sunday 8am-noon; closed holidays
$80 annual sticker
Transfer station detailsAshfield Town Hall is at 412 Main Street, Ashfield, MA 01330. Hours: Monday-Thursday, 8am-4pm (varies by department). Main line: 413-628-4441.
Ashfield's FY2026 residential tax rate is $14.23 per $1,000 of assessed value. Massachusetts fiscal years run July 1 to June 30.
Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $5,692 a year at $14.23 per $1,000. The bill uses the assessor's value, not the sale price.
No. Ashfield uses a single rate of $14.23 per $1,000 for all property classes.
The average single-family tax bill in Ashfield was $5,518 for FY2026, on an average assessed value of $387,740.
Ashfield is in Franklin County.
No. Ashfield residents use the town transfer station on Ashfield Mountain Road, which requires an annual permit sticker.
Eversource serves the Ashfield area.
Most of Ashfield uses 01330; a section near Shelburne Falls uses 01370.
Ashfield is about 15 miles from Greenfield, roughly a 25-30 minute drive.
No. Ashfield has no train station; the nearest Amtrak Valley Flyer station is in Greenfield.
Neighbors of Ashfield, including across the Connecticut line where it applies. All Massachusetts town guides.