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Mortgage Calculator &
Closing Costs: Greenfield, MA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Greenfield, Massachusetts.

Median Home Price
$285K
Population
17K
Avg Monthly Rent
$1,280
Property Tax Rate
1.2%
Greenfield vs Massachusetts Median
The median home price in Greenfield is $285,000, which is 52% below the Massachusetts state median of $595,000.

Mortgage Calculator — Greenfield, MA

Pre-filled with Greenfield median home price and Massachusetts tax/insurance rates. Adjust for your property.

$
$57,000
%
%
years
MA avg
%
$
Monthly Payment (PITI)
$1,909
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,441
per month
Taxes & Insurance
$468
per month
Total Interest Paid
$291K
over 30 years
Total Loan Cost
$519K
all payments
Payment Breakdown
Loan Amount$228,000
Principal & Interest$1,441
Property Taxes$285
Homeowners Insurance$183
Total Monthly PITI$1,909

Closing Costs — Greenfield, MA

Estimated closing costs based on Massachusetts rates and fees applied to Greenfield prices.

$
%
Massachusetts: Avg closing costs 1.6% of price. Transfer tax: 0.456%.
Estimated Closing Costs
$11,613
4.1% of purchase price
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Lender Fees
$2,477
origination, underwriting
Third-Party
$2,875
appraisal, title, inspection
Government Fees
$1,300
transfer taxes, recording
Prepaids + Escrow
$4,962
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,052
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,725
Recording Fee$150
Transfer Tax$1,300
Prepaid Taxes (3 mo)$855
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$685
Escrow Reserves$1,222
Total Closing Costs$11,613

Buying a Home in Greenfield, Massachusetts

The median home price in Greenfield is $285,000, 52% below the Massachusetts state median of $595,000. With a population of 17,456, Greenfield is a smaller market where home prices tend to be more accessible than in many parts of Massachusetts.

Property taxes in Massachusetts average 1.2% annually. This moderate property tax rate means a $285,000 home in Greenfield would carry roughly $285/month in property taxes. Homeowners insurance in Massachusetts runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Greenfield is $1,280/month. The price-to-rent ratio in Greenfield is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Greenfield presents moderate affordability. The $285K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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