How much house can I afford on $180,000 in Massachusetts?
About $625,000 with 20% down ($501,000 with an FHA loan), using Massachusetts's 1.01% property tax rate.
That is $30,692 less than the typical Massachusetts home ($655,219), so on $180,000 you'd look at cheaper areas or a smaller home. The payment of $4,200 covers $3,361 principal and interest, $527 property tax and $312 insurance.
Counties in Massachusetts you can afford on $180,000
6 of 14 counties have a typical home value at or below $625,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bristol County | $545,691 | +3.7% | 1.07% |
| Worcester County | $495,048 | +1.9% | 1.28% |
| Hampshire County | $449,669 | +2.8% | 1.43% |
| Berkshire County | $389,996 | +1.6% | 1.32% |
| Franklin County | $369,047 | +1.6% | 1.43% |
| Hampden County | $351,040 | +4.0% | 1.49% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Massachusetts
Frequently asked questions
How much house can I afford on $180,000 in Massachusetts?
About $625,000 with 20% down at 7.11%, keeping the payment (with Massachusetts's 1.01% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Massachusetts?
Not the typical home: the typical Massachusetts home is worth $655,219 (Zillow, September 2026) and $180,000 supports about $625,000. 6 of 14 counties are within budget.