Massachusetts mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Middlesex County | 11,372 | 6.375% | $5,487 | 6.125% |
| Worcester County | 7,328 | 6.575% | $5,599 | 6.25% |
| Essex County | 5,768 | 6.49% | $5,575 | 6.25% |
| Norfolk County | 5,403 | 6.375% | $5,466 | 6.25% |
| Plymouth County | 4,558 | 6.5% | $5,799 | 6.25% |
| Suffolk County | 4,160 | 6.25% | $5,415 | 6.24% |
| Bristol County | 4,130 | 6.5% | $5,840 | 6.25% |
| Hampden County | 3,683 | 6.499% | $6,431 | 6.25% |
| Barnstable County | 1,549 | 6.5% | $5,218 | 6.375% |
| Berkshire County | 1,055 | 6.5% | $4,430 | 6.375% |
| Hampshire County | 962 | 6.375% | $5,093 | 6.125% |
| Franklin County | 505 | 6.375% | $4,838 | 6.25% |
| Dukes County | 71 | 6.625% | $9,107 | 6.5% |
| Nantucket County | 39 | 7.125% | $8,018 | 6.25% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.