Massachusetts (MA) · Northeast Real Estate Profile
Massachusetts Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Massachusetts. In Massachusetts, the effective statewide property tax rate averages 1.15% and homeowners insurance averages 0.45% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax1.15%
Homeowners Insurance0.45%
Median Home Price$610,000
Conforming Loan Limit$766,550
Property Tax Context for Massachusetts: At 1.15%, a median-priced home of $610,000 pays roughly $7,015 per year in property taxes ($585/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Massachusetts Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Massachusetts residents.
Monthly Payment Benchmarks in Massachusetts (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | MA Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $180/mo | $1,198/mo | $51,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $299/mo | $1,997/mo | $86,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $419/mo | $2,796/mo | $120,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $539/mo | $3,594/mo | $154,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $659/mo | $4,393/mo | $188,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $898/mo | $5,991/mo | $257,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $1,198/mo | $7,987/mo | $342,000/yr | View schedule → |
Browse all 25 loan amounts in Massachusetts
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in MA$799/mo$150k in MA$1,198/mo$200k in MA$1,597/mo$250k in MA$1,997/mo$300k in MA$2,396/mo$350k in MA$2,796/mo$400k in MA$3,195/mo$450k in MA$3,594/mo$500k in MA$3,994/mo$550k in MA$4,393/mo$600k in MA$4,792/mo$650k in MA$5,192/mo$700k in MA$5,591/mo$750k in MA$5,991/mo$800k in MA$6,390/mo$850k in MA$6,789/mo$900k in MA$7,189/mo$950k in MA$7,588/mo$1 million in MA$7,987/mo$1.1 million in MA$8,786/mo$1.2 million in MA$9,585/mo$1.3 million in MA$10,384/mo$1.4 million in MA$11,182/mo$1.5 million in MA$11,981/mo$2 million in MA$15,975/mo
Explore neighboring Northeast states
Compare mortgage payment benchmarks and property taxes across neighboring Northeast jurisdictions:
Connecticut (1.96% tax)View guide →Delaware (0.58% tax)View guide →Maine (1.24% tax)View guide →New Hampshire (1.93% tax)View guide →New Jersey (2.23% tax)View guide →New York (1.40% tax)View guide →
Closing Costs & Transfer Tax in Massachusetts
Deeds excise tax is $2.28 per $500 ($4.56 per $1,000) in most counties; Barnstable County is $3.24 per $500.