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Mortgage Calculator &
Closing Costs: Leominster, MA

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

Median Home Price
$375K
Population
42K
Avg Monthly Rent
$1,520
Property Tax Rate
1.2%
Leominster vs Massachusetts Median
The median home price in Leominster is $375,000, which is 37% below the Massachusetts state median of $595,000.

Mortgage Calculator — Leominster, MA

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

$
$75,000
%
%
years
MA avg
%
$
Monthly Payment (PITI)
$2,454
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,896
per month
Taxes & Insurance
$558
per month
Total Interest Paid
$383K
over 30 years
Total Loan Cost
$683K
all payments
Payment Breakdown
Loan Amount$300,000
Principal & Interest$1,896
Property Taxes$375
Homeowners Insurance$183
Total Monthly PITI$2,454

Closing Costs — Leominster, MA

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

$
%
Massachusetts: Avg closing costs 1.6% of price. Transfer tax: 0.456%.
Estimated Closing Costs
$13,878
3.7% of purchase price
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Lender Fees
$3,125
origination, underwriting
Third-Party
$3,325
appraisal, title, inspection
Government Fees
$1,710
transfer taxes, recording
Prepaids + Escrow
$5,718
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,700
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,175
Recording Fee$150
Transfer Tax$1,710
Prepaid Taxes (3 mo)$1,125
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$902
Escrow Reserves$1,492
Total Closing Costs$13,878

Buying a Home in Leominster, Massachusetts

The median home price in Leominster is $375,000, 37% below the Massachusetts state median of $595,000. With a population of 41,598, Leominster 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 $375,000 home in Leominster would carry roughly $375/month in property taxes. Homeowners insurance in Massachusetts runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Leominster is $1,520/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.

Leominster presents moderate affordability. The $375K 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 Leominster.
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