Total monthly cost of ownership
Cost to Own a Home in West Chatham, Massachusetts
A $743,000 home here costs
$5,202per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,820. The real number is $1,382 higher every month — 36% 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.
West Chatham against Barnstable County and Massachusetts
| Measure | West Chatham | Barnstable County |
|---|---|---|
| Median home value | $743,100 | $575,900 |
| Median property tax | $2,926 | $4,090 |
| Effective tax rate | 0.394% | 0.710% |
| Median gross rent | — | $1,596 |
| Population | 1,337 | 230,073 |
The weather behind that power bill
West Chatham 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 West Chatham?
A $743,000 home in West Chatham, Massachusetts costs approximately $5,202 per month with 20% down at 6.66%. That is $3,820 principal and interest, $244 property tax, $192 homeowners insurance, $327 utilities and $619 set aside for maintenance.
What is the property tax rate in West Chatham?
West Chatham has an effective property tax rate of 0.394%, based on a median home value of $743,100 and median real estate taxes of $2,926. That is lower than the Barnstable County average of 0.710%.
What is the average home price in West Chatham?
The median owner-occupied home value in West Chatham, Massachusetts is $743,100, against $575,900 across Barnstable County.
Is it cheaper to rent or buy in West Chatham?
Rent data is not published for West Chatham at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Chatham — 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.