How does Taunton compare with Massachusetts?
The city's median is below the statewide median by $137,600. Prices sit in the middle price-to-income band; compare the payment with your own income rather than treating the median as a budget. The median is 46.6% of the conforming limit. A median-valued purchase fits the FHA base-loan limit at 3.5% down.
How much down payment and PMI would a typical Taunton home need?
| Down payment | Cash down | Estimated PMI / month | Estimated PITI + PMI | Income at 28% / 36% |
|---|---|---|---|---|
| 3% | $11,646 | $157 | $3,243 | $140,000 / $109,000 |
| 5% | $19,410 | $154 | $3,188 | $137,000 / $107,000 |
| 10% | $38,820 | $146 | $3,048 | $131,000 / $102,000 |
| 20% | $77,640 | $0 | $2,639 | $114,000 / $88,000 |
3%-down conventional products have borrower/program restrictions. PMI uses a fixed 0.5% annual loan-balance estimate at less than 20% down; it is not a credit-specific quote or an assumed discount by down payment. Payments include state-average tax and insurance and assume zero other debts.
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Is there down payment assistance in Taunton?
- MassHousing Down Payment Assistance (Option 1) — Up to $30,000; deferred; state-level. MassHousing · Verified October 23, 2026
- MassHousing Down Payment Assistance (Option 2) — Up to $25,000 at a fixed 2% rate over 15 years; second_mortgage; state-level. MassHousing · Verified October 23, 2026
Conventional loans in the nearest eligible cities
Home loan options in Taunton
Frequently asked questions
Sources
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- Fannie Mae Selling Guide
- NAIC — Homeowners Insurance Report, Data for 2023 (HO-3 average premium)
- Freddie Mac PMMS
- MassHousing Down Payment Assistance (Option 1)
- MassHousing Down Payment Assistance (Option 2)
Data last updated November 5, 2026.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.