Mortgage Rates in Brockton, Massachusetts — March 2026
Updated March 2026 | Based on Brockton market data and regional lending conditions
Brockton is a growing city in Massachusetts with a population of 105,643. The current 30-year fixed mortgage rate in Brockton is 6.6%, which is 0.05% below the national average. With a median home price of $385,000 and a 20% down payment of $77,000, homebuyers can expect a monthly principal and interest payment of approximately $1,967.
Current Mortgage Rates in Brockton, MA
Below are the current average mortgage rates available in the Brockton 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 | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.84% | 5.89% | -0.05% |
| 5/1 ARM | 6.1% | 6.15% | -0.05% |
| FHA | 6.2% | 6.25% | -0.05% |
| VA | 6% | 6.05% | -0.05% |
| Jumbo | 6.8% | 6.85% | -0.05% |
Brockton Housing Market Overview
The Brockton housing market reflects moderate demand with prices near the national average. The median household income in Brockton is $52,250, and the cost of living index is 105.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $100,800 to comfortably afford the median-priced home in Brockton, which exceeds the current median household income.
Monthly Payment Breakdown for Brockton
Based on the median home price of $385,000 with 20% down ($77,000), here is what you can expect to pay monthly in Brockton:
15-Year vs. 30-Year Mortgage in Brockton
Choosing a 15-year mortgage in Brockton at 5.84% instead of a 30-year at 6.6% would save you $244,980 in total interest over the life of the loan. However, your monthly payment would be $2,573 instead of $1,967 — an increase of $606 per month.
Calculate Your Brockton Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Brockton
What are the current mortgage rates in Brockton, MA?
As of March 2026, the average 30-year fixed mortgage rate in Brockton, Massachusetts is 6.6%, while the 15-year fixed rate is 5.84%. FHA loans average 6.2% and VA loans 6%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in Brockton?
Based on the median home price of $385,000 with 20% down, the estimated monthly mortgage payment in Brockton is $1,967 for principal and interest. Including property taxes of $385/month, the total monthly housing cost is approximately $2,352.
What income do I need to buy a home in Brockton?
Using the 28% rule, you would need an annual income of approximately $100,800 to afford the median-priced home in Brockton at $385,000. The median household income in Brockton is $52,250. This means most households would need to either earn above the median or consider homes below $385,000.
Is Brockton a good place to buy a home in 2026?
Brockton has a moderate cost of living with a cost of living index of 105.5 (national average = 100). The property tax rate in Massachusetts is 1.2%, which is near the national average. Brockton has a population of 105,643 and offers a balanced lifestyle.
Mortgage Rates in Other Massachusetts Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Brockton, Massachusetts area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.