Total monthly cost of ownership
Cost to Own a Home in West Wareham, Massachusetts
A $204,000 home here costs
$1,954per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $83,500 a year.
A standard mortgage calculator would have told you $1,112. The real number is $841 higher every month, 76% more than the payment most buyers budget for.
Compare Plymouth County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for West Wareham from a five-year rolling sample, and with about 2,776 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Plymouth County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
West Wareham against Plymouth County and Massachusetts
| Measure | West Wareham | Plymouth County |
|---|---|---|
| Median home value | $204,200 | $513,000 |
| Median property tax | $4,530 | $6,345 |
| Effective tax rate | 2.218% | 1.237% |
| Median gross rent | — | $1,655 |
| Population | 2,776 | 531,889 |
The weather behind that power bill
West Wareham 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 $174 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
Talk to someone who works this market
These are West Wareham averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works West Wareham every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in West Wareham I already own here and may sell
Common questions
How much does it cost to own a home in West Wareham?
A $204,000 home in West Wareham, Massachusetts costs approximately $1,954 per month with 20% down at 7.24%. That is $1,112 principal and interest, $377 property tax, $53 homeowners insurance, $242 utilities and $170 set aside for maintenance.
What is the property tax rate in West Wareham?
West Wareham has an effective property tax rate of 2.218%, based on a median home value of $204,200 and median real estate taxes of $4,530. That is higher than the Plymouth County average of 1.237%.
What is the average home price in West Wareham?
The median owner-occupied home value in West Wareham, Massachusetts is $204,200, against $513,000 across Plymouth County.
Is it cheaper to rent or buy in West Wareham?
Rent data is not published for West Wareham at this level of detail.
What salary do you need to buy a home in West Wareham?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in West Wareham, Massachusetts at today's rate takes a household income of roughly $83,500 a year. That covers the full $1,954 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Wareham, 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.