Total monthly cost of ownership
Cost to Own a Home in Williamstown, Massachusetts
A $437,000 home here costs
$3,550per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,247. The real number is $1,303 higher every month — 58% 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.
Williamstown against Berkshire County and Massachusetts
| Measure | Williamstown | Berkshire County |
|---|---|---|
| Median home value | $436,900 | $283,800 |
| Median property tax | $5,992 | $3,891 |
| Effective tax rate | 1.371% | 1.371% |
| Median gross rent | $1,244 | $1,042 |
| Population | 4,352 | 128,047 |
The weather behind that power bill
Williamstown sits in Berkshire County, which averages a high of 79.3°F in its hottest month and a low of 13.9°F in its coldest, with 44.23" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 344 cooling and 7,224 heating degree days, which is what sets the $259 electricity line above.
See the full climate breakdown for Berkshire County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Berkshire County
Full Berkshire County cost breakdown · Every county in Massachusetts
Common questions
How much does it cost to own a home in Williamstown?
A $437,000 home in Williamstown, Massachusetts costs approximately $3,550 per month with 20% down at 6.66%. That is $2,247 principal and interest, $499 property tax, $113 homeowners insurance, $327 utilities and $364 set aside for maintenance.
What is the property tax rate in Williamstown?
Williamstown has an effective property tax rate of 1.371%, based on a median home value of $436,900 and median real estate taxes of $5,992. That is in line with the Berkshire County average of 1.371%.
What is the average home price in Williamstown?
The median owner-occupied home value in Williamstown, Massachusetts is $436,900, against $283,800 across Berkshire County.
Is it cheaper to rent or buy in Williamstown?
Median gross rent in Williamstown is $1,244 a month, against $3,550 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 Williamstown — 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.