Mortgage Rates in Massachusetts — April 2026
Compare current mortgage rates across 82 cities in Massachusetts. The average 30-year fixed rate is 6.73%, which is 0.64% above the national average of 6.09%.
Massachusetts Housing Highlights
All 82 Cities in Massachusetts
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Boston | 6.6% | $750,000 | $3,832 | 675,647 |
| Worcester | 6.6% | $365,000 | $1,865 | 206,518 |
| Springfield | 6.6% | $255,000 | $1,303 | 155,929 |
| Cambridge | 6.6% | $895,000 | $4,573 | 118,403 |
| Lowell | 6.6% | $395,000 | $2,018 | 115,554 |
| Brockton | 6.6% | $385,000 | $1,967 | 105,643 |
| Quincy | 6.6% | $565,000 | $2,887 | 101,636 |
| Lynn | 6.6% | $445,000 | $2,274 | 101,253 |
| New Bedford | 6.6% | $325,000 | $1,661 | 101,079 |
| Fall River | 6.6% | $335,000 | $1,712 | 93,885 |
| Newton | 6.6% | $1,150,000 | $5,876 | 88,923 |
| Somerville | 6.6% | $785,000 | $4,011 | 81,360 |
| Framingham | 6.65% | $549,000 | $2,820 | 72,032 |
| Haverhill | 6.73% | $557,000 | $2,884 | 67,835 |
| Waltham | 6.64% | $548,000 | $2,811 | 63,490 |
| Revere | 6.79% | $645,000 | $3,360 | 62,186 |
| Plymouth | 6.74% | $583,000 | $3,022 | 61,024 |
| Malden | 6.85% | $640,000 | $3,355 | 60,984 |
| Medford | 6.69% | $649,000 | $3,347 | 59,415 |
| Brookline | 6.86% | $558,000 | $2,928 | 59,180 |
| Taunton | 6.83% | $578,000 | $3,024 | 58,241 |
| Weymouth | 6.76% | $524,000 | $2,722 | 57,746 |
| Chicopee | 6.76% | $555,000 | $2,883 | 55,298 |
| Peabody | 6.89% | $630,000 | $3,316 | 54,251 |
| Methuen | 6.87% | $545,000 | $2,863 | 51,531 |
| Everett | 6.81% | $528,000 | $2,757 | 49,075 |
| Arlington | 6.78% | $607,000 | $3,159 | 46,204 |
| Attleboro | 6.88% | $607,000 | $3,192 | 45,237 |
| Barnstable | 6.82% | $600,000 | $3,136 | 44,641 |
| Salem | 6.77% | $563,000 | $2,927 | 44,480 |
| Billerica | 6.82% | $492,000 | $2,571 | 43,627 |
| Leominster | 6.86% | $571,000 | $2,996 | 42,914 |
| Beverly | 6.9% | $479,000 | $2,524 | 42,670 |
| Pittsfield | 6.62% | $484,000 | $2,478 | 42,514 |
| Marlborough | 6.64% | $516,000 | $2,647 | 41,793 |
| Westfield | 6.71% | $596,000 | $3,080 | 41,094 |
| Fitchburg | 6.27% | $265,000 | $1,309 | 40,938 |
| Wenham | 6.76% | $670,000 | $3,480 | 40,519 |
| Holyoke | 6.71% | $588,000 | $3,039 | 40,341 |
| Woburn | 6.62% | $507,000 | $2,596 | 40,228 |
| Amherst | 6.89% | $497,000 | $2,616 | 39,263 |
| Shrewsbury | 6.7% | $587,000 | $3,030 | 38,326 |
| Andover | 6.61% | $518,000 | $2,649 | 36,220 |
| Natick | 6.78% | $581,000 | $3,024 | 36,050 |
| Watertown | 6.84% | $488,000 | $2,556 | 36,048 |
| Chelmsford | 6.7% | $577,000 | $2,979 | 35,085 |
| Randolph | 6.65% | $482,000 | $2,475 | 34,984 |
| Dartmouth | 6.74% | $520,000 | $2,695 | 34,032 |
| Lexington | 6.88% | $498,000 | $2,619 | 33,635 |
| Plainville | 6.85% | $550,000 | $2,883 | 33,390 |
| Franklin | 6.8% | $566,000 | $2,952 | 33,025 |
| Scituate | 6.81% | $450,000 | $2,349 | 32,792 |
| Dracut | 6.61% | $513,000 | $2,624 | 31,826 |
| Needham | 6.81% | $567,000 | $2,960 | 31,388 |
| North Andover | 6.64% | $608,000 | $3,119 | 31,187 |
| Norwood | 6.75% | $568,000 | $2,947 | 30,602 |
| Gloucester | 6.84% | $510,000 | $2,671 | 30,273 |
| Wellesley | 6.71% | $499,000 | $2,579 | 29,673 |
| Upton | 6.86% | $735,000 | $3,857 | 29,663 |
| Savoy | 6.67% | $520,000 | $2,676 | 29,350 |
| Milford | 6.88% | $577,000 | $3,034 | 28,834 |
| Northampton | 6.63% | $595,000 | $3,049 | 28,726 |
| Northbridge | 6.87% | $545,000 | $2,863 | 28,342 |
| Danvers | 6.81% | $556,000 | $2,903 | 28,071 |
| Wakefield | 6.61% | $599,000 | $3,064 | 27,045 |
| Orange | 6.66% | $350,000 | $1,799 | 25,706 |
| Wareham | 6.61% | $535,000 | $2,736 | 25,118 |
| Grafton | 6.89% | $490,000 | $2,579 | 24,229 |
| Stoneham | 6.7% | $456,000 | $2,354 | 22,149 |
| Bellingham | 6.87% | $600,000 | $3,152 | 21,941 |
| Hamilton | 6.86% | $715,000 | $3,752 | 21,842 |
| Hanson | 6.67% | $490,000 | $2,522 | 21,643 |
| West Stockbridge | 6.87% | $515,000 | $2,705 | 21,494 |
| Hampden | 6.63% | $570,000 | $2,921 | 21,417 |
| Freetown | 6.61% | $375,000 | $1,918 | 20,886 |
| Tyringham | 6.7% | $385,000 | $1,987 | 20,627 |
| Monterey | 6.76% | $580,000 | $3,013 | 19,985 |
| Stoughton | 6.73% | $485,000 | $2,511 | 19,981 |
| Stockbridge | 6.9% | $540,000 | $2,845 | 19,489 |
| Tyngsborough | 6.82% | $385,000 | $2,012 | 19,172 |
| Rowley | 6.7% | $495,000 | $2,555 | 18,763 |
| New Salem | 6.88% | $490,000 | $2,576 | 18,470 |
Massachusetts Mortgage Rates Guide — 2026
Massachusetts homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $542,024. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $2,809.
The most affordable city for homebuyers in Massachusetts is Springfield, where the median home price is $255,000. On the other end, Newton has the highest prices at $1,150,000. Property tax rates across the state average 1.23%.
To comfortably afford a home at the state average price, a household income of approximately $120,386 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Massachusetts Mortgages
What are current mortgage rates in Massachusetts?
As of April 2026, the average 30-year fixed mortgage rate in Massachusetts is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Massachusetts?
The median home price across 82 cities in Massachusetts is $542,024. Prices range from $255,000 in Springfield to $1,150,000 in Newton.
How much income do I need to buy a house in Massachusetts?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $120,386 to comfortably afford the average home in Massachusetts. The median household income in the state is approximately $79,796.
Massachusetts Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Massachusetts. Rates can vary by neighborhood based on local property values and lending conditions.
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