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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Current FHA Mortgage Rates in MA - Massachusetts FHA Mortgage

Massachusetts Mortgages

2024 FHA Loan Limits for Massachusetts

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Massachusetts are below.

Select County
County Name One Family Two Family Three Family Four Family
Barnstable One Family$747,500 Two Family$956,950 Three Family$1,156,700 Four Family$1,437,500
Berkshire One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bristol One Family$736,000 Two Family$942,200 Three Family$1,138,900 Four Family$1,415,400
Dukes One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Essex One Family$862,500 Two Family$1,104,150 Three Family$1,334,700 Four Family$1,658,700
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hampden One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hampshire One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Middlesex One Family$862,500 Two Family$1,104,150 Three Family$1,334,700 Four Family$1,658,700
Nantucket One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Norfolk One Family$862,500 Two Family$1,104,150 Three Family$1,334,700 Four Family$1,658,700
Plymouth One Family$862,500 Two Family$1,104,150 Three Family$1,334,700 Four Family$1,658,700
Suffolk One Family$862,500 Two Family$1,104,150 Three Family$1,334,700 Four Family$1,658,700
Worcester One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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