Today’s Mortgage Rates in Massachusetts<\/h2>\n
Massachusetts\u2019s average APR on a 30-year mortgage slipped 0.051 points to 6.272% over the past week, according to data from the Mortgage Research Center. The rate is down 0.564 points over the last 90 days and down 0.26 points over the last 30 days.<\/p>\n
The state\u2019s average APR for the benchmark 15-year fixed mortgage increased 0.026 points to 5.294% over the past week. Over the last 90 days, the rate is down 0.569 points; it\u2019s down 0.242 points over the last 30 days.<\/p>\n
The average APR for a 30-year jumbo mortgage climbed 0.118 points to 6.711% since last week. It\u2019s down 0.404 points over the last 90 days and up 0.025 points over the last 30 days.<\/p>\n
![\"Mortgage](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-7.png\")
<\/img><\/div>\n30-year fixed-rate mortgage:<\/strong><\/p>\n 15-year fixed-rate mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo mortgage:<\/strong><\/p>\n Massachusetts’s average APR for the benchmark 30-year fixed refinance mortgage fell 0.03 points to 6.37% compared to a week ago. The rate is down 0.537 points over the last 90 days and down 0.224 points over the last 30 days.<\/p>\n The average APR in the state on a 15-year refinanced mortgage climbed 0.025 points to 5.273% weekly. Over the last 90 days, the rate is down 0.575 points over the last 90 days; it\u2019s down 0.258 points over the last 30 days.<\/p>\n For jumbo 30-year refinanced mortgages, the average APR climbed 0.122 points to 6.756% week-to-week. It\u2019s down 0.427 points over the last 90 days and up 0.056 points over the last 30 days.<\/p>\n 30-year fixed-rate refinance mortgage:<\/strong><\/p>\n 15-year fixed-rate refinance mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo refinance mortgage:<\/strong><\/p>\n Understanding mortgage rate trends can help you make more informed home-buying decisions. They can also help you decide when to refinance your current mortgage or lock in a rate for a second mortgage. Depending on your other qualifications as a borrower, analyzing Massachusetts mortgage rate trends may also help you reduce borrowing costs over the life of your mortgage.<\/p>\n Massachusetts\u2019s mortgage rates have trended downward over the last three months, as have national rates.<\/p>\n State mortgage rates generally move in line with the national average, but there are state-level differences.<\/p>\n Today’s average mortgage rate in Massachusetts is 6.272%, while the national average rate is 6.275%. That’s -0.003 percentage points lower than the national average.<\/p>\n Massachusetts’s mortgage refinance rate today is 6.37% versus the national average of 6.371% \u2013 0.001 percentage points lower than the national average.<\/p>\n Use the chart below to explore the differences between states.<\/p>\n Whether you\u2019re considering a move to Massachusetts or planning a local move, the Old Bay State has something for everyone. From bustling Boston to quiet small towns, knowing the local real estate market and what\u2019s involved in buying a home is important. A local real estate agent can help you navigate the process and find the perfect home for your taste and budget. Staying informed about the market and local rules will also help to make your home-buying journey smoother and more successful.<\/p>\n Getting the best mortgage rates in Massachusetts requires planning and research. Interest rates and trends can vary widely across regions, so make sure you understand the current rates in your area. Then, shop around to compare offers from multiple lenders, like banks, credit unions and online mortgage providers.<\/p>\n Maintaining a strong credit score and having a stable financial history can help you qualify for more competitive rates. Likewise, providing a down payment of at least 20% can lower your monthly payments and eliminate the need for private mortgage insurance (PMI). A local mortgage broker or financial advisor who knows the Massachusetts market can help you navigate the home-buying process more efficiently. By staying informed and proactive, you can find a mortgage rate that best fits your financial situation and home-buying goals.<\/p>\n \n<\/div>\n\n
\n
\n
Today\u2019s Refinance Rates in Massachusetts<\/h2>\n
![\"Mortgage](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-8.png\")
<\/img><\/div>\n\n
\n
\n
Massachusetts Mortgage Rate Trends<\/h2>\n
![\"Massachusetts](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-9.png\")
<\/img><\/div>\nMassachusetts Mortgage Rates vs. National Mortgage Rates<\/strong><\/h3>\n
![\"\"](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-3.png\")
<\/img><\/div>\nBuying a House in Massachusetts<\/h2>\n
How to Get the Best Mortgage Rates in Massachusetts<\/h2>\n
Find the Best Mortgage Lenders of 2025<\/h2>\n