Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Massachusetts
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Massachusetts ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Hampden County | $2,410 | $276,300 | 1.568% |
| 2 | Berkshire County | $2,420 | $283,800 | 1.371% |
| 3 | Franklin County | $2,601 | $303,400 | 1.515% |
| 4 | Hampshire County | $3,036 | $363,400 | 1.466% |
| 5 | Worcester County | $3,196 | $390,700 | 1.333% |
| 6 | Bristol County | $3,347 | $421,800 | 1.111% |
| 7 | Plymouth County | $4,053 | $513,000 | 1.237% |
| 8 | Barnstable County | $4,257 | $575,900 | 0.710% |
| 9 | Essex County | $4,489 | $584,000 | 1.073% |
| 10 | Suffolk County | $4,947 | $680,700 | 0.666% |
| 11 | Norfolk County | $4,964 | $649,400 | 1.090% |
| 12 | Middlesex County | $5,214 | $687,200 | 1.054% |
| 13 | Dukes County | $7,667 | $1,104,100 | 0.498% |
| 14 | Nantucket County | $9,220 | $1,387,000 | 0.215% |
Every figure is modelled on the county's own median home with 20% down at 6.66%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home across all 3,133 US counties · Every county in Massachusetts