Massachusetts Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Massachusetts. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
6.95%
Avg APR
15yr Fixed
6.35%
Avg APR
Median Price
$570,000
Median home
Monthly P&I
$3,040
30yr at 80% LTV
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Top Mortgage Lenders in Massachusetts
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Massachusetts
- ✓MassHousing Mortgage
- ✓ONE Mortgage Program
- ✓MassHousing Down Payment Assistance
Mortgage Requirements in Massachusetts
- •Min 640 credit score
- •Income limits apply for state programs
- •DTI under 45%
Massachusetts Housing Market Facts
Boston metro is one of the most competitive real estate markets nationally.
Massachusetts has a strong first-time buyer program via ONE Mortgage.
Transfer tax is typically 0.456% of purchase price.
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