Calculate your Massachusetts mortgage payment with state-specific property tax rates (1.23% average), income tax (5% - 9%), and 2026 conforming loan limits.
MA average: 1.23%
Massachusetts has a flat 5% income tax (plus 4% surtax on income over $1M) and high property taxes.
In pricier counties, the limit rises to $1,209,750.
Massachusetts has a state income tax with rates of 5% - 9%.
See your take-home with the paycheck calculator.
On average, Massachusetts property taxes run at 1.23%. Each county sets its own rate, so check locally.
MassHousing offers down payment assistance and favorable loan terms for qualifying first-time buyers in Massachusetts.
Your county sets the actual rate.
See your take-home with the paycheck calculator.
Higher amounts are jumbo loans.
Conventional needs 3% down, FHA 3.5%, VA/USDA nothing.