Hampden, MA: town finances
Low debt and modest savings (7.2% of budget); override vote unlikely, with room under the tax cap.
Budget grade
Better than 60% of MA towns · score 82 of 100
Ability to pay
Below the state median for income and property value
Shown separately; not part of the budget grade. Income per resident $51,098 (Census ACS 2020-24); property value (EQV) per resident $186,096 (DLS 2024).
Chance of an override vote
2 points on our 0-8 scale: Low 0-2, Medium 3-4, High 5+. It ranks towns; it is not a percentage.
Key numbers
| Measure | Hampden | Median MA town |
|---|---|---|
| Typical tax bill, FY2026 (average single-family) | $6,963 | $6,755 |
| Tax bill as a share of median household income | 6.7% | 6.4% |
| Tax bill growth per year, FY2016-26 | 3.31% | 3.95% |
| Override vote dates, last 5 years | No | 35% of towns had one |
| Savings (reserves), % of budget, FY2024-26 average | 7.2% | 7.3% |
| Debt, % of property value, FY2023-25 (voter-approved debt at half weight) | 0.20% | 0.70% |
| Debt payments inside the tax cap, % of budget | 0.5% | 1.3% |
| Unused room under the tax cap, FY2026 (% of max levy) | 2.54% | 0.34% |
| School enrollment, 5-year change | -1% | -2% |
| Students per teacher, 2025-26 | 14.1 | 11.4 |
| Median single-family sale price, 2024 | $419k (40 sales) | $614k |
| Single-family price change, 2019-24 | +45.0% | +52.8% |
| Median household income (Census, 2020-24) | $104,536 | $113,750 |
| Population (DLS) | 4,915 | 10,585 |
Main school district: Hampden-Wilbraham (regional district shared with 2 towns). Shaded = worse than the median town on tax bill share or enrollment. Medians are across all 351 towns with data.
Why this budget grade
Budget grade B, solid (82/100; better than 60% of MA towns): reserves averaged 7.2% of budget over FY2024-26 (state median 7.3%); debt 0.20% of property value with voter-approved debt at half weight (0.29% before; median 0.70%); debt payments inside the tax cap 0.5% of budget (median 1.3%). Voter-approved amounts exceed its general-fund debt payments (often regional school debt), so the state median share is used.
Why this chance of an override vote
Chance of an override vote: Low (2 pts): limited room under the tax cap (2.54% of max levy, +1); voter-approved debt or capital increase passed since July 2021 (+1).
Context, not scored
Teacher jobs -3.1% last year; enrollment -1% over 5 yrs; regional district shared with 2 towns; tax bill 6.7% of median income (state median 6.4%).
"pts" are points toward the chance of an override vote. Max levy is the most the town can raise without a vote under Prop 2½. See how the budget grade works.
See this town in the full data table →