TrueAffordHome Affordability by State
What can you afford in Massachusetts?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 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 1.00% of home value per year — the 18th highest in the country. Average homeowner's insurance runs near $1,956/year on a $300,000 home — the 21st lowest.
Comfortable
$250,502
Stretch
$312,186
Risky ceiling
$349,452
A lender would likely approve up to $349,452 on this baseline in Massachusetts — but this household's own budget, once real expenses are counted, can only sustain $312,186. That $37,266 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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