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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in MA - Massachusetts FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Massachusetts Mortgages

2022 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 2022 FHA loan limits for each county in Massachusetts are below.

County Name One Family Two Family Three Family Four Family
Barnstable One Family$621,000 Two Family$795,000 Three Family$960,950 Four Family$1,194,250
Berkshire One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bristol One Family$592,250 Two Family$758,200 Three Family$916,450 Four Family$1,138,950
Dukes One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Essex One Family$770,500 Two Family$986,400 Three Family$1,192,300 Four Family$1,481,750
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hampden One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hampshire One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Middlesex One Family$770,500 Two Family$986,400 Three Family$1,192,300 Four Family$1,481,750
Nantucket One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Norfolk One Family$770,500 Two Family$986,400 Three Family$1,192,300 Four Family$1,481,750
Plymouth One Family$770,500 Two Family$986,400 Three Family$1,192,300 Four Family$1,481,750
Suffolk One Family$770,500 Two Family$986,400 Three Family$1,192,300 Four Family$1,481,750
Worcester One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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