Mortgage Rates in Barnstable, Massachusetts — March 2026
Updated March 2026 | Based on Barnstable market data and regional lending conditions
Barnstable is a growing city in Massachusetts with a population of 44,641. The current 30-year fixed mortgage rate in Barnstable is 6.82%, which is 0.17% above the national average. With a median home price of $600,000 and a 20% down payment of $120,000, homebuyers can expect a monthly principal and interest payment of approximately $3,136.
Current Mortgage Rates in Barnstable, MA
Below are the current average mortgage rates available in the Barnstable area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Barnstable Housing Market Overview
The Barnstable housing market is competitive with prices well above the national median. The median household income in Barnstable is $73,400, and the cost of living index is 125.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $161,400 to comfortably afford the median-priced home in Barnstable, which exceeds the current median household income.
Monthly Payment Breakdown for Barnstable
Based on the median home price of $600,000 with 20% down ($120,000), here is what you can expect to pay monthly in Barnstable:
15-Year vs. 30-Year Mortgage in Barnstable
Choosing a 15-year mortgage in Barnstable at 6.04% instead of a 30-year at 6.82% would save you $397,980 in total interest over the life of the loan. However, your monthly payment would be $4,061 instead of $3,136 — an increase of $925 per month.
Calculate Your Barnstable Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Barnstable
What are the current mortgage rates in Barnstable, MA?
As of March 2026, the average 30-year fixed mortgage rate in Barnstable, Massachusetts is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Barnstable?
Based on the median home price of $600,000 with 20% down, the estimated monthly mortgage payment in Barnstable is $3,136 for principal and interest. Including property taxes of $630/month, the total monthly housing cost is approximately $3,766.
What income do I need to buy a home in Barnstable?
Using the 28% rule, you would need an annual income of approximately $161,400 to afford the median-priced home in Barnstable at $600,000. The median household income in Barnstable is $73,400. This means most households would need to either earn above the median or consider homes below $600,000.
Is Barnstable a good place to buy a home in 2026?
Barnstable has a higher cost of living than average with a cost of living index of 125.3 (national average = 100). The property tax rate in Massachusetts is 1.26%, which is near the national average. Barnstable has a population of 44,641 and offers a balanced lifestyle.
Mortgage Rates in Other Massachusetts Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Barnstable, Massachusetts area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.