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Dukes County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Dukes County, Massachusetts based on real HMDA transaction records.

Loan Details

Dukes County, MA Benchmarks

Conventional averages
Typical Property Value$1,809,202
Average Down Payment42.1%
Average Interest Rate6.987%
Effective Tax Rate0.46%
Median Tax Paid$5,828/yr
Tax Growth (Historical)+2.7%
Based on 309 regional loans totaling $170,455,000 (HMDA database).
$
%

$761,674 down · $1,047,528 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$694 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$7,806/mo

  • Principal & Interest$6,962
  • Property Tax$694
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$1,047,528

Total Interest

$1,458,863

Total of Payments

$2,506,391

Local Market Insights

Dukes County Conventional Mortgage Overview

In Dukes County, the 42.07% average down payment on a Conventional loan far exceeds the 20% threshold, meaning buyers typically avoid Private Mortgage Insurance (PMI). With a median Loan-to-Value ratio of 57.93%, these borrowers already possess significant equity, indicating strong credit profiles. The effective property tax rate of 0.46% is low, but the 2.7% inflation-adjusted tax increase will modestly raise monthly costs. For those evaluating a Conventional mortgage with property taxes in Dukes County, Massachusetts, this high down payment pattern underscores a market where substantial upfront capital is the norm for primary residences.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.