Compare Barnstable Town, MA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Barnstable Town.
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August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Barnstable Town. Understand how much you need to earn to afford a home in Barnstable Town, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Barnstable Town fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Barnstable Town is right for you.
The median home value for Barnstable Town, MA (Barnstable County) is $574,918
Based on current mortgage rates and a 10% down payment, you need to make $119,937 per year to buy the median priced home in Barnstable Town
With this income, you could qualify for a $517,427 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Barnstable Town is $2,778
The median household income for Barnstable Town, MA (Barnstable County) is $84,757
Based on this income, you can afford a home valued at approximately $406,280
The home price you can afford to buy based on household income in Barnstable Town is 71% of the median home value which means housing prices are very expensive. Barnstable Town (Barnstable County) ranks 11 out of 14 counties in Massachusetts and 3,067 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Barnstable Town, MA is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Barnstable Town (Barnstable County) below.
Conforming loan limits for Barnstable Town, MA
FHA loan limits for Barnstable Town, MA