MassHousing home loans
MassHousing sets income limits by community, and they depend on household size and loan program. We check them with you before you shop.
MassHousing home loans (opens in a new tab)
Athol is a town in northern Worcester County, in the North Quabbin region, originally called Pequoiag before it was settled by five families in September 1735 and incorporated in 1762. The Millers River runs through downtown from northeast to west, joined in town by the Tully River, and elevations range from about 500 feet near the river to 1,282 feet at Pratt Hill. Known as "Tool Town" for the L.S. Starrett Company, a precision-tool manufacturer founded in 1881 and still the town's largest employer, Athol also hosts the River Rat Race canoe race each April.
Athol center uses ZIP code 01331; the Athol-Royalston Regional School District also serves the neighboring town of Royalston (01368).
| Area | Zip code | Where it is |
|---|---|---|
| Athol center | 01331 | Along Main Street, where Town Hall and downtown businesses are located. |
Start with River Rat Race and Bearsden Forest, then 2 more below.
An annual canoe race held the second week of April, covering about six miles of the Millers River from Cass Meadow in Athol to Hachey's Landing in Orange, with a morning parade and carnival that draws thousands of spectators.
Millers River, Athol to Orange, MA
The largest conservation area in northeastern Athol, with hiking trails, camping, bridges and ponds.
Athol, MA
A museum at the L.S. Starrett Company office displaying historical precision machine tools; admission is by appointment only.
Athol, MA
Occupies the old town hall in uptown Athol, with museum exhibits and historic site tours.
Uptown Athol, MA
Originally called Pequoiag, the area was settled by five families in September 1735 and incorporated as Athol in 1762.
The L.S. Starrett Company, a precision tool manufacturer, was established in Athol in 1881 and remains the town's largest employer, giving Athol the nickname "Tool Town."
The Athol Public Library was established in 1882 and rebuilt in 1918 with private donations; it was the first building in Athol with air conditioning, added in 1969.
Athol's outdoor recreation centers on the Millers and Tully rivers and on Bearsden Forest, the largest conservation area in the northeastern part of town.
Downtown Athol along Main Street has sidewalks connecting Town Hall, the library and storefronts, and recent revitalization has reduced vacancies, but most of the town outside the center is built around driving.
Approximate, without traffic.
The Montachusett Regional Transit Authority (MART), based in Fitchburg, provides eastbound bus service to Athol; the Franklin Regional Transit Authority (FRTA) provides westbound routes, and Community Transit Service offers dial-a-ride options.
Athol's most recent certified residential tax rate is $12.67 per $1,000 of assessed value, for FY2026 (July 2025 to June 2026). Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $1,267 a year. The average single-family tax bill was $3,924, on an average assessed value of $309,717.
$12.67per $1,000, residential
Source: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
| Fiscal year | Residential rate |
|---|---|
| FY2022 | $16.05 |
| FY2023 | $14.04 |
| FY2024 | $12.83 |
| FY2025 | $12.71 |
| FY2026 | $12.67 |
Things to look into on a Athol purchase: MassHousing limits, the flood map, the smoke certificate, septic & wells, river flood zones.
MassHousing sets income limits by community, and they depend on household size and loan program. We check them with you before you shop.
MassHousing home loans (opens in a new tab)The Millers River runs through downtown Athol, and the Tully River joins it within town, putting low-lying parcels along both rivers in FEMA-mapped flood zones. We take an early look at FEMA's map before you offer. That's not a flood determination: the official determination ordered with your loan decides whether flood insurance is required.
FEMA's flood map for Athol (opens in a new tab)Massachusetts requires the seller to get a smoke and carbon monoxide certificate from the Athol Fire Department before the sale closes. Call 978-249-8275 to schedule.
Athol Fire Department page (opens in a new tab)Athol's Health Department, part of Town Hall at 584 Main Street, issues septic and well-related permits and inspections. Buyers should confirm septic and well status before making an offer on a property outside town water and sewer service.
Athol Health Department (opens in a new tab)Parts of Athol along the Millers River, which runs through downtown, and near the Tully River fall within FEMA-mapped flood zones. We check the flood map before you make an offer near either river.
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 Athol address and we'll run the numbers, taxes included.
Who to call in Athol: National Grid for power.
Athol Town Hall is at 584 Main Street, Athol, MA 01331. Main line: 978-721-8500.
Athol's most recent certified residential tax rate is $12.67 per $1,000 of assessed value, for FY2026 (July 2025 to June 2026). 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 $5,068 a year at $12.67 per $1,000. The bill uses the assessor's value, not the sale price.
No. Athol uses a single rate of $12.67 per $1,000 for all property classes.
The average single-family tax bill in Athol was $3,924 for FY2026, on an average assessed value of $309,717.
Athol center uses ZIP code 01331.
National Grid provides electric service in Athol.
The Montachusett Regional Transit Authority (MART) provides eastbound bus service, the Franklin Regional Transit Authority (FRTA) provides westbound routes, and Community Transit Service offers dial-a-ride options.
Athol borders Royalston, Phillipston, Petersham, New Salem, and Orange.
Athol is nicknamed "Tool Town" for the L.S. Starrett Company, a precision-tool manufacturer founded there in 1881 and still the town's largest employer. The town also hosts the annual River Rat Race canoe race each April.
Athol is about 33 miles from Worcester, roughly a 45-55 minute drive.
Neighbors of Athol, including across the Connecticut line where it applies. All Massachusetts town guides.