Total monthly cost of ownership
Cost to Own a Home in West Yarmouth, Massachusetts
A $457,000 home here costs
$3,510per 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 $150,500 a year.
A standard mortgage calculator would have told you $2,492. The real number is $1,019 higher every month, 41% more than the payment most buyers budget for.
Compare Barnstable County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
West Yarmouth against Barnstable County and Massachusetts
| Measure | West Yarmouth | Barnstable County |
|---|---|---|
| Median home value | $456,800 | $575,900 |
| Median property tax | $3,334 | $4,090 |
| Effective tax rate | 0.730% | 0.710% |
| Median gross rent | $1,514 | $1,596 |
| Population | 6,323 | 230,073 |
The weather behind that power bill
West Yarmouth 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 $174 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
Talk to someone who works this market
These are West Yarmouth 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 Yarmouth every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in West Yarmouth I already own here and may sell
Common questions
How much does it cost to own a home in West Yarmouth?
A $457,000 home in West Yarmouth, Massachusetts costs approximately $3,510 per month with 20% down at 7.24%. That is $2,492 principal and interest, $278 property tax, $118 homeowners insurance, $242 utilities and $381 set aside for maintenance.
What is the property tax rate in West Yarmouth?
West Yarmouth has an effective property tax rate of 0.730%, based on a median home value of $456,800 and median real estate taxes of $3,334. That is higher than the Barnstable County average of 0.710%.
What is the average home price in West Yarmouth?
The median owner-occupied home value in West Yarmouth, Massachusetts is $456,800, against $575,900 across Barnstable County.
Is it cheaper to rent or buy in West Yarmouth?
Median gross rent in West Yarmouth is $1,514 a month, against $3,510 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in West Yarmouth?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in West Yarmouth, Massachusetts at today's rate takes a household income of roughly $150,500 a year. That covers the full $3,510 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Yarmouth, 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.