Cost to Own
United StatesMassachusettsMiddlesex CountyLittleton Common Population 2,838 Data vintage ACS 2023 5-Year Rates updated 2026-07-30

Total monthly cost of ownership

Cost to Own a Home in Littleton Common, Massachusetts

A $552,000 home here costs

$4,415

per month, all in — with 20% down at today's 6.66% 30-year fixed rate.

A standard mortgage calculator would have told you $2,838. The real number is $1,577 higher every month — 56% more than the payment most buyers budget for.

Littleton Common median: $551,800
Under 20% adds PMI
Freddie Mac PMMS
US average household

Where every dollar goes

Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.

Principal & interest30-year fixed, $441,600 borrowed $2,838
Property tax1.408% effective rate for Littleton Common itself $648
Homeowners insuranceMassachusetts averages $1,712/yr (NAIC), or 0.31% of home value $143
Electricity28.82¢/kWh — Massachusetts residential average, EIA $259
Water, sewer & trashUS household average $68
Maintenance reserve1% of home value per year $460
Total monthly $4,415

Littleton Common against Middlesex County and Massachusetts

MeasureLittleton CommonMiddlesex County
Median home value$551,800$687,200
Median property tax$7,768$7,240
Effective tax rate1.408%1.054%
Median gross rent$1,604$2,126
Population2,8381,622,896

The weather behind that power bill

Littleton Common sits in Middlesex County, which averages a high of 85.1°F in its hottest month and a low of 18.2°F in its coldest, with 42.6" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 743 cooling and 5,996 heating degree days, which is what sets the $259 electricity line above.

See the full climate breakdown for Middlesex County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.

Other cities in Middlesex County

Full Middlesex County cost breakdown · Every county in Massachusetts

Common questions

How much does it cost to own a home in Littleton Common?

A $552,000 home in Littleton Common, Massachusetts costs approximately $4,415 per month with 20% down at 6.66%. That is $2,838 principal and interest, $648 property tax, $143 homeowners insurance, $327 utilities and $460 set aside for maintenance.

What is the property tax rate in Littleton Common?

Littleton Common has an effective property tax rate of 1.408%, based on a median home value of $551,800 and median real estate taxes of $7,768. That is higher than the Middlesex County average of 1.054%.

What is the average home price in Littleton Common?

The median owner-occupied home value in Littleton Common, Massachusetts is $551,800, against $687,200 across Middlesex County.

Is it cheaper to rent or buy in Littleton Common?

Median gross rent in Littleton Common is $1,604 a month, against $4,415 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 Littleton Common — 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.

Full methodology