Total monthly cost of ownership
Cost to Own a Home in Housatonic, Massachusetts
A $429,000 home here costs
$3,393per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,205. The real number is $1,187 higher every month — 54% 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.
Housatonic against Berkshire County and Massachusetts
| Measure | Housatonic | Berkshire County |
|---|---|---|
| Median home value | $429,200 | $283,800 |
| Median property tax | $4,702 | $3,891 |
| Effective tax rate | 1.096% | 1.371% |
| Median gross rent | $1,259 | $1,042 |
| Population | 1,054 | 128,047 |
The weather behind that power bill
Housatonic sits in Berkshire County, which averages a high of 79.3°F in its hottest month and a low of 13.9°F in its coldest, with 44.23" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 344 cooling and 7,224 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Berkshire County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Berkshire County
Full Berkshire County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Housatonic?
A $429,000 home in Housatonic, Massachusetts costs approximately $3,393 per month with 20% down at 6.66%. That is $2,205 principal and interest, $392 property tax, $111 homeowners insurance, $327 utilities and $358 set aside for maintenance.
What is the property tax rate in Housatonic?
Housatonic has an effective property tax rate of 1.096%, based on a median home value of $429,200 and median real estate taxes of $4,702. That is lower than the Berkshire County average of 1.371%.
What is the average home price in Housatonic?
The median owner-occupied home value in Housatonic, Massachusetts is $429,200, against $283,800 across Berkshire County.
Is it cheaper to rent or buy in Housatonic?
Median gross rent in Housatonic is $1,259 a month, against $3,393 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 Housatonic — 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.