Massachusetts · Property Tax & Closing Costs
Massachusetts property tax by county
Property tax rates, median home values, and closing cost estimates for all 14 counties in Massachusetts. The average effective rate across the state is 1.03%, ranking Massachusetts 18 of 51 (above-average property taxes). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
1.03%
across 14 counties
National rank
#18
of 51, highest rate first
Median home value
$587,550
county median in state
Rate range
0.25%–1.49%
Nantucket County → Hampden County
Same home, different county
On a $587,550 home (the typical county median in Massachusetts), the annual property tax bill depends heavily on where you buy:
Difference
$7,297/yr
$608/mo · $72,974 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Massachusetts
The five Massachusetts counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Nantucket County | 0.25% |
| Dukes County | 0.50% |
| Suffolk County | 0.66% |
| Barnstable County | 0.67% |
| Middlesex County | 1.03% |
Highest property tax rates in Massachusetts
The five Massachusettscounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Hampden County | 1.49% |
| Franklin County | 1.44% |
| Hampshire County | 1.43% |
| Berkshire County | 1.32% |
| Worcester County | 1.28% |
Massachusetts real estate transfer tax
Massachusetts charges a combined transfer tax of about 0.46% of the purchase price. On a $587,550 home, that is roughly $2,679 in total.
| Paid by | Rate | On $587,550 |
|---|---|---|
| Buyer | 0.00% | $0 |
| Seller | 0.46% | $2,679 |
Deeds Excise is $4.56/$1,000 (0.456%) statewide, seller-paid. Barnstable County (Cape Cod) is higher: $6.48/$1,000 (0.648%). Nantucket and Martha's Vineyard add a 2% Land Bank Fee, buyer-paid. Some municipalities (e.g., Boston) have enacted or proposed additional transfer fees.
Massachusetts is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.
Official Massachusetts source → · Verified April 2026
Closing costs in Massachusetts
Across Massachusetts's 14 counties, buyer closing costs run $5,121 to $22,886 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $64,909 to $341,646. Pick your county for your own figures.
Massachusetts closing cost calculatorMassachusetts property tax exemptions
Ways buyers in Massachusetts may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Proposition 2 1/2
Caps total municipal property tax levy at 2.5% of aggregate assessed value; annual levy growth limited to 2.5% plus new-growth additions. Override requires voter approval.
View official source →Residential Exemption (local option)
Cities that adopt it (Boston, Cambridge, Somerville, Brookline, Waltham, etc.) may exempt up to 35% of average residential assessed value for owner-occupied primary residences. Boston's exemption is approximately $354,974 of assessed value for FY2026.
View official source →Senior Exemption (Clause 41C)
Exemption for homeowners 65+ meeting ownership, residency, income, and asset limits. Clause 41A tax-deferral option also available.
View official source →Veterans Exemption (Clauses 22-22H)
Exemptions of $400-$1,500 for qualifying veterans and spouses. Full property tax exemption (Clause 22E) for veterans rated 100% service-connected disabled (paraplegic) or surviving spouses.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 14 counties in Massachusetts
Effective property tax rate, median home value, and median annual taxes paid for every county in Massachusetts. Click a county to open its full property tax calculator and closing cost breakdown.
| County | Rate |
|---|---|
| Barnstable County | 0.67% |
| Berkshire County | 1.32% |
| Bristol County | 1.06% |
| Dukes County | 0.50% |
| Essex County | 1.04% |
| Franklin County | 1.44% |
| Hampden County | 1.49% |
| Hampshire County | 1.43% |
| Middlesex County | 1.03% |
| Nantucket County | 0.25% |
| Norfolk County | 1.06% |
| Plymouth County | 1.17% |
| Suffolk County | 0.66% |
| Worcester County | 1.28% |
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.