Total monthly cost of ownership
Cost to Own a Home in Barnstable Town, Massachusetts
A $559,000 home here costs
$4,141per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,874. The real number is $1,268 higher every month — 44% more than the payment most buyers budget for.
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 $259 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
Common questions
How much does it cost to own a home in Barnstable Town?
A $559,000 home in Barnstable Town, Massachusetts costs approximately $4,141 per month with 20% down at 6.66%. That is $2,874 principal and interest, $330 property tax, $144 homeowners insurance, $327 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 $4,141 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
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.