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Mortgage Calculator &
Closing Costs: Fall River, MA

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

Median Home Price
$365K
Population
94K
Avg Monthly Rent
$1,480
Property Tax Rate
1.2%
Fall River vs Massachusetts Median
The median home price in Fall River is $365,000, which is 39% below the Massachusetts state median of $595,000.

Mortgage Calculator — Fall River, MA

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

$
$73,000
%
%
years
MA avg
%
$
Monthly Payment (PITI)
$2,394
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$548
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$365
Homeowners Insurance$183
Total Monthly PITI$2,394

Closing Costs — Fall River, MA

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

$
%
Massachusetts: Avg closing costs 1.6% of price. Transfer tax: 0.456%.
Estimated Closing Costs
$13,627
3.7% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$1,664
transfer taxes, recording
Prepaids + Escrow
$5,634
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$1,664
Prepaid Taxes (3 mo)$1,095
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$878
Escrow Reserves$1,462
Total Closing Costs$13,627

Buying a Home in Fall River, Massachusetts

The median home price in Fall River is $365,000, 39% below the Massachusetts state median of $595,000. With a population of 93,885, Fall River 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 $365,000 home in Fall River would carry roughly $365/month in property taxes. Homeowners insurance in Massachusetts runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Fall River is $1,480/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Fall River presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Fall River.
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