Massachusetts Property Tax Calculator 2026

Calculate property taxes in Massachusetts. The average effective property tax rate in MA is 0.95%, which is above the national average of 0.89%. Estimate your annual property tax bill.

By Konstantin Iakovlev · Updated October 19, 2026 · Methodology

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Annual Property Tax

$3,325.00

Monthly Equivalent

$277.08

Effective Rate

0.950%

Property Tax Breakdown

Assessed Value$350,000.00
Homestead Exemption$0.00
Taxable Value$350,000.00
Annual Tax$3,325.00
Monthly Equivalent$277.08

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Massachusetts Property Tax Guide

Property tax in Massachusetts averages about 0.95% of a home's value as an effective rate, slightly above the national average of roughly 0.9%. There is no statewide property tax; assessment and billing happen locally, with each city and town setting its own rate through its assessors and approving budgets at town meeting or city council. Because the rate is local, two neighboring communities can bill very different amounts on identically valued homes.

To estimate a bill, multiply the assessed value by the local tax rate, which Massachusetts expresses as dollars per $1,000 of value (a $15.00 rate equals 1.5%). On a $500,000 home at the statewide 0.95% average, that works out to roughly $4,750 a year. Homeowners can lower the taxable base through exemptions, the residential exemption that some cities (including Boston) grant on a primary home, plus exemptions for seniors, veterans, and people with disabilities. Proposition 2½ also caps how fast a community's total levy can rise each year, which restrains long-run growth in the bills.

Massachusetts Property Tax Details (2026)

Avg. Effective Property Tax Rate 0.95%
National Average 0.89%
vs. National Average 0.06 points above
Estate Tax Yes (exemption: $2,000,000)
State Sales Tax 6.25%
State Income Tax 5% (flat)

Official Sources:

Massachusetts Property Tax FAQ

How do I estimate my Massachusetts property tax bill?
Take your home's assessed value and multiply by the local rate. Massachusetts quotes rates per $1,000 of value, so a rate of $9.50 per $1,000 is the same as the 0.95% statewide average; on a $400,000 assessment that is about $3,800 a year. Your actual rate comes from your city or town assessor, since each sets its own, and the assessed value may differ from market price.
What is Proposition 2½ and how does it affect my taxes?
Proposition 2½ is a state law that limits how much a city or town can raise its total property tax levy, generally no more than 2.5% per year, plus new growth from new construction. It also caps the overall levy at 2.5% of the community's total assessed value. Communities can exceed the limit only with a voter-approved override or debt exclusion, which is why those questions appear on local ballots.
Does Massachusetts offer a homestead or residential exemption?
Massachusetts has two distinct protections. The Homestead Act shields a portion of home equity from most creditors but does not by itself lower your tax bill. Separately, some municipalities, including Boston, offer a residential exemption that reduces the taxable value of an owner-occupied primary home, and the state allows local exemptions for qualifying seniors, veterans, and disabled residents. You apply through your local assessor's office.
Why do property tax rates vary so much across Massachusetts towns?
Because rates are set locally to fund each community's own budget for schools, public safety, and services, towns with high spending needs or lower total property value tend to have higher rates. Some communities also split rates between residential and commercial property. The 0.95% statewide figure is an average, so checking your specific town's rate is the only way to know what you will actually pay.

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