What Will Owning Actually Cost?
What a home in any of the 101 towns actually costs to carry each month: mortgage, tax and heat, at this week's prices.
How Each Published Note Rate Changes the Illustration
These are ordinary published zero-point rate-table entries used only as payment-sensitivity inputs. RE413 checked every lender page in one atomic run: Checked . Lenders appear alphabetically, not as a borrower-specific cheapest-lender ranking or recommendation. Each row separately shows the effective date printed by that lender. The 6.95% national average is Freddie Mac's observation for the week of September 17, 2026. Freddie Mac no longer publishes average fees or points with PMMS, so bank-versus-national choices compare note rates only, not like-for-like upfront costs. The full survey, with APR, product and date details, is in the western Mass published-rate survey.
- Florence BankFixed Rate Mortgage Loans: 30-Year Fixed-Rate, 0 pointseffective July 31, 2026 · checked September 19, 20266.25% (6.391% APR, 0 points)
- Greenfield Co-operative BankFixed Mortgage Rates: 30 years / 360 months, 0 pointseffective September 19, 2026 · checked September 19, 20266.875% (6.993% APR, 0 points)
- Pittsfield Cooperative BankFIXED RATE MORTGAGE: 30 Year Fixed, 0 pointseffective September 1, 2026 · checked September 19, 20266.375% (6.461% APR, 0 points)
- Polish National Credit UnionFixed Rate: 30 Years, 0 pointseffective September 17, 2026 · checked September 19, 20267% (7.206% APR, 0 points)
“Ordinary” describes the table entry, not borrower eligibility. Advertised rates are not offers or quotes. Loan amount, LTV, credit, occupancy, membership, property, underwriting, fees and points can change eligibility and total cost; each lender's page and a written Loan Estimate control. APR is the yearly cost as the bank publishes it. Restricted and special-program rates are excluded from both this list and the calculator, but included rows can still have material conditions. Listing here is editorial and uncompensated; sponsorship is the labelled block above and buys no position in this table.
This Week's Rate, Against All of Them
The survey behind the calculator's rate goes back to April 1971, 55 years of one series. Everything between 18% money and 3% money is on this line.
The 30-year rate, monthly average, since 1971
6.95%this week's national average (Freddie Mac, week of 2026-09-17)
How This Works
This week's rate and every week before it are in the weekly archive. Mortgage: standard 30-year amortisation at the national average rate, an illustration for a borrower with good credit, not a quote. Tax: your price × the town's residential rate, plus the community-preservation surcharge where adopted (before exemptions). Heating: a typical New England season at this week's New England price, your house sets the real number. No figure here is an offer, and no sponsor can change one.
From the Desk
RE413 News on this subject: what $400,000 buys, and costs to hold. Every piece is built from the same public record as the figures above, and states the period each covers.
Sources
- Freddie Mac, Primary Mortgage Market Survey. This week's national average 30-year rate, and the whole weekly series back to April 1971. Figures through 2026-09-17.
- Published mortgage-rate tables of the lenders in the local survey. Ordinary published zero-point table entries, lender effective dates and RE413 check date 2026-09-19.
- Massachusetts DLS Municipal Databank. Each town's residential tax rate and CPA surcharge.
- U.S. Energy Information Administration. This week's New England heating-fuel prices.
"Figures through" is the period the publisher's data describes; "checked" is only when we last asked. The full sourcing: sources and method.