Massachusetts Home Affordability Calculator
Get an instant estimate based on your income, monthly debt, and average Massachusetts property tax and homeowners insurance costs.
$70,000
$20K$500K
$20,000
$0$200K
$500
$0$5,000
6.18%
2.00%10.00%
You can afford
$213,253
with a monthly payment of $1,633/mo
Principal & Interest
$1,181
Property Taxes
$194
Home Insurance
$178
PMI
$81
Loan Amount$193,253
Down Payment$20,000 (9%)
Loan Term30 years
Estimates based on the 28% DTI rule, a 1.09% Massachusetts property tax rate (FY2026 statewide average single-family tax bill of $8,113 on an average value of $742,986, Mass. Division of Local Services), and insurance at $178/mo (NAIC 2023 Massachusetts HO-3 average of $2,134/yr). Town rates and condo fees vary; actual amounts vary.
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