Total monthly cost of ownership
Cost to Own a Home in Barnstable Town, Massachusetts
A $559,000 home here costs
$4,230per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $181,500 a year.
A standard mortgage calculator would have told you $3,048. The real number is $1,182 higher every month, 39% more than the payment most buyers budget for.
Compare Barnstable County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Barnstable Town against Barnstable County and Massachusetts
| Measure | Barnstable Town | Barnstable County |
|---|---|---|
| Median home value | $559,200 | $575,900 |
| Median property tax | $3,965 | $4,090 |
| Effective tax rate | 0.709% | 0.710% |
| Median gross rent | $1,751 | $1,596 |
| Population | 49,232 | 230,073 |
The weather behind that power bill
Barnstable Town sits in Barnstable County, which averages a high of 80.8°F in its hottest month and a low of 24.1°F in its coldest, with 44.7" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 632 cooling and 5,518 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Barnstable County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Barnstable County
Full Barnstable County cost breakdown · Every county in Massachusetts
Talk to someone who works this market
These are Barnstable Town averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Barnstable Town every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Barnstable Town I already own here and may sell
Common questions
How much does it cost to own a home in Barnstable Town?
A $559,000 home in Barnstable Town, Massachusetts costs approximately $4,230 per month with 20% down at 7.24%. That is $3,048 principal and interest, $330 property tax, $144 homeowners insurance, $242 utilities and $466 set aside for maintenance.
What is the property tax rate in Barnstable Town?
Barnstable Town has an effective property tax rate of 0.709%, based on a median home value of $559,200 and median real estate taxes of $3,965. That is in line with the Barnstable County average of 0.710%.
What is the average home price in Barnstable Town?
The median owner-occupied home value in Barnstable Town, Massachusetts is $559,200, against $575,900 across Barnstable County.
Is it cheaper to rent or buy in Barnstable Town?
Median gross rent in Barnstable Town is $1,751 a month, against $4,230 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Barnstable Town?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Barnstable Town, Massachusetts at today's rate takes a household income of roughly $181,500 a year. That covers the full $4,230 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Barnstable Town, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Massachusetts.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.