Smith Mills, MA population, income and ZIP codes

Smith Mills CDP is a small town in Massachusetts, with 4,467 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #128 of 248 ranked by population — larger than 48% of them. The median age here is 42.3 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Smith Mills CDP earn a median of $56,250 a year, 28.4% below the national figure of $78,538 and 43% below the $99,537 median for the 222 Massachusetts cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 9.2% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Smith Mills CDP is valued at $384,600, 26.8% above the national figure and 23% below the $497,400 peer median, while median gross rent runs $599 a month, 57.4% below the national figure, or roughly $7,188 across a full year. A household on the local median income would put about 12.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 73.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.