Mortgage Rates in Haverhill, Massachusetts — March 2026
Updated March 2026 | Based on Haverhill market data and regional lending conditions
Haverhill is a growing city in Massachusetts with a population of 67,835. The current 30-year fixed mortgage rate in Haverhill is 6.73%, which is 0.08% above the national average. With a median home price of $557,000 and a 20% down payment of $111,400, homebuyers can expect a monthly principal and interest payment of approximately $2,884.
Current Mortgage Rates in Haverhill, MA
Below are the current average mortgage rates available in the Haverhill 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Haverhill Housing Market Overview
The Haverhill housing market is competitive with prices well above the national median. The median household income in Haverhill is $90,600, and the cost of living index is 139.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $147,686 to comfortably afford the median-priced home in Haverhill, which exceeds the current median household income.
Monthly Payment Breakdown for Haverhill
Based on the median home price of $557,000 with 20% down ($111,400), here is what you can expect to pay monthly in Haverhill:
15-Year vs. 30-Year Mortgage in Haverhill
Choosing a 15-year mortgage in Haverhill at 5.97% instead of a 30-year at 6.73% would save you $362,700 in total interest over the life of the loan. However, your monthly payment would be $3,753 instead of $2,884 — an increase of $869 per month.
Calculate Your Haverhill Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Haverhill
What are the current mortgage rates in Haverhill, MA?
As of March 2026, the average 30-year fixed mortgage rate in Haverhill, Massachusetts is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Haverhill?
Based on the median home price of $557,000 with 20% down, the estimated monthly mortgage payment in Haverhill is $2,884 for principal and interest. Including property taxes of $562/month, the total monthly housing cost is approximately $3,446.
What income do I need to buy a home in Haverhill?
Using the 28% rule, you would need an annual income of approximately $147,686 to afford the median-priced home in Haverhill at $557,000. The median household income in Haverhill is $90,600. This means most households would need to either earn above the median or consider homes below $557,000.
Is Haverhill a good place to buy a home in 2026?
Haverhill has a higher cost of living than average with a cost of living index of 139.4 (national average = 100). The property tax rate in Massachusetts is 1.21%, which is near the national average. Haverhill has a population of 67,835 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 Haverhill, Massachusetts area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.