What is the Best Neighborhoods USA ranking for Heart Pond?
Heart Pond is ranked #19 of 20 eligible neighborhoods in Chelmsford; #172 of 259 eligible neighborhoods in MA; and #7,405 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Heart Pond
Chelmsford, MA | Middlesex County
Scored premium profile
Best Neighborhoods USA Index
50.6
Stability and Strength
55.3
Value Opportunity
45.0
Momentum
50.9
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Chelmsford, MA |
| County | Middlesex County |
| National rank | #7,405 of 14,967 |
| State rank | #172 of 259 |
| City rank | #19 of 20 |
| County rank | #82 of 110 |
| National percentile | 50.6 |
| National band | MIDDLE_50_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $826,209 |
| Year-over-year home value change | 0.7% |
| Month-over-month home value change | 0.03% |
| Home value to income ratio | 7.32 |
| Median household income | $112,856 |
| Bachelor's degree or higher | 43.5% |
| Civilian unemployment rate | 12.1% |
| Homeownership rate | 59.8% |
| Housing vacancy rate | 1.8% |
| Rent burden 30% or higher | 41.9% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Heart Pond
Is Heart Pond one of the best neighborhoods in Chelmsford?
Heart Pond has a Best Neighborhoods USA Index of 50.6 and a city ranking of #19 of 20 eligible neighborhoods in Chelmsford.
How much are homes worth in Heart Pond?
The current Zillow Home Value Index for Heart Pond is approximately $826,209.
Are home values rising or falling in Heart Pond?
Zillow neighborhood values changed 0.7% year over year and 0.03% month over month.
What is the Neighborhood Momentum Score for Heart Pond?
Heart Pond has a Neighborhood Momentum Score of 50.9. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Heart Pond?
The NDS-derived neighborhood median household income is approximately $112,856.
How affordable is Heart Pond relative to household income?
The current Zillow home-value-to-household-income ratio is 7.32. Price-to-income affordability is a major Value Opportunity input.
Is Heart Pond primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 59.8%.
What is the unemployment rate in Heart Pond?
The NDS-derived civilian unemployment rate is approximately 12.1%.
How educated are residents of Heart Pond?
Approximately 43.5% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Heart Pond face high rent burden?
Approximately 41.9% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Heart Pond?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications17
Estimated originations10
Home-purchase applications9
Origination rate59.2%
Home-purchase share54.5%
Average application loan$442,386
Total application loan amount$7,586,898
National application rank#11,097 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications 14.6% YoY; originations 26.3% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.