Total monthly cost of ownership
Cost to Own a Home in Bourne, Massachusetts
A $521,000 home here costs
$3,892per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,678. The real number is $1,213 higher every month — 45% 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.
Bourne against Barnstable County and Massachusetts
| Measure | Bourne | Barnstable County |
|---|---|---|
| Median home value | $521,100 | $575,900 |
| Median property tax | $3,811 | $4,090 |
| Effective tax rate | 0.731% | 0.710% |
| Median gross rent | — | $1,596 |
| Population | 1,765 | 230,073 |
The weather behind that power bill
Bourne 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 Bourne?
A $521,000 home in Bourne, Massachusetts costs approximately $3,892 per month with 20% down at 6.66%. That is $2,678 principal and interest, $317 property tax, $135 homeowners insurance, $327 utilities and $434 set aside for maintenance.
What is the property tax rate in Bourne?
Bourne has an effective property tax rate of 0.731%, based on a median home value of $521,100 and median real estate taxes of $3,811. That is higher than the Barnstable County average of 0.710%.
What is the average home price in Bourne?
The median owner-occupied home value in Bourne, Massachusetts is $521,100, against $575,900 across Barnstable County.
Is it cheaper to rent or buy in Bourne?
Rent data is not published for Bourne at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bourne — 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.