Total monthly cost of ownership
Cost to Own a Home in Scituate, Massachusetts
A $699,000 home here costs
$5,319per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,594. The real number is $1,725 higher every month — 48% 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.
Scituate against Plymouth County and Massachusetts
| Measure | Scituate | Plymouth County |
|---|---|---|
| Median home value | $699,200 | $513,000 |
| Median property tax | $7,619 | $6,345 |
| Effective tax rate | 1.090% | 1.237% |
| Median gross rent | $811 | $1,655 |
| Population | 5,602 | 531,889 |
The weather behind that power bill
Scituate sits in Plymouth County, which averages a high of 84.0°F in its hottest month and a low of 21.8°F in its coldest, with 52.77" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 805 cooling and 5,309 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Plymouth County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Plymouth County
Full Plymouth County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Scituate?
A $699,000 home in Scituate, Massachusetts costs approximately $5,319 per month with 20% down at 6.66%. That is $3,594 principal and interest, $635 property tax, $181 homeowners insurance, $327 utilities and $583 set aside for maintenance.
What is the property tax rate in Scituate?
Scituate has an effective property tax rate of 1.090%, based on a median home value of $699,200 and median real estate taxes of $7,619. That is lower than the Plymouth County average of 1.237%.
What is the average home price in Scituate?
The median owner-occupied home value in Scituate, Massachusetts is $699,200, against $513,000 across Plymouth County.
Is it cheaper to rent or buy in Scituate?
Median gross rent in Scituate is $811 a month, against $5,319 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 Scituate — 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.