TrueAffordHome Affordability by State
What can you afford in Massachusetts?
A baseline estimate for a household earning $96,000 a year gross, with typical debts and expenses, a $40,000 down payment, and a 740-759 credit score — using Massachusetts's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Massachusetts's effective property tax rate is around 1.12% of home value per year — the 19th highest in the country. Average homeowner's insurance runs near $1,750/year on a $300,000 home — the 22nd lowest.
Comfortable
$304,086
Stretch
$352,471
Risky ceiling
$381,501
This baseline's own budget can sustain at least as much as a lender's debt-to-income ceiling allows in Massachusetts — the DTI ratio, not the household budget, is what limits the number here.
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