Overview of Massachusetts Taxes
Homeowners in Massachusetts face some of the largest annual property tax bills of any state in the country. The median annual property tax payment in the state is $3,794, which ranks as the seventh highest in the U.S. But the state’s average effective tax rate of 1.15% is slightly below the national average.
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To calculate the exact amount of property tax you will owe requires your property's assessed value and the property tax rates based on your property's address. Please note that we can only estimate your property tax based on median property taxes in your area. There are typically multiple rates in a given area, because your state, county, local schools and emergency responders each receive funding partly through these taxes. In our calculator, we take your home value and multiply that by your county's effective property tax rate. This is equal to the median property tax paid as a percentage of the median home value in your county.
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Jennifer Mansfield Tax
Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.
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Massachusetts Property Taxes
Homeowners in Massachusetts face some of the largest annual property tax bills of any state in the country. The median annual property tax payment in the state is $3,794, which ranks as the seventh highest in the U.S. Tax rates are set locally by cities and towns in Massachusetts, with total rates generally ranging from 1% to 2% ($10 to $20 mills). Incorporating all areas, the state’s average effective tax rate is 1.15%. This is slightly below the national average.
If you are thinking about buying a property in Massachusetts despite the higher property tax bills, or if you are looking into refinancing your mortgage, our mortgage rates guide for details on getting mortgages in the state.
How Property Taxes in Massachusetts Work
In Massachusetts cities and towns are responsible for administering and collecting property taxes. Tax bills are mailed out four times annually (in January, April, July and October) and they are due within 30 days of being sent.
Property taxes in Massachusetts are based on the assessed value of the property and the local tax rate. All residential real estate is assessed every year. The goal of the assessment is to determine the market value of the property as of January 1st, the assessment date in Massachusetts.
To determine market value local assessors can use one of several approaches. The most common is the market method. This method uses market data, including the sales prices of nearby comparable properties, to calculate market value.
Homeowners who believe their home’s assessed value is too high can file an abatement application. If the application is accepted, a portion of the property taxes paid will be refunded. If the application is denied, the homeowner has the option to appeal, although this is a lengthier process.
Massachusetts Property Tax Rates
Tax rates in Massachusetts are determined by cities and towns. They are expressed in dollars per $1,000 of assessed value (often referred to as mill rates). For example, if your assessed value is $200,000 and your tax rate is 10, your total annual tax would be $2,000.
An effective tax rate is the annual taxes paid as a percentage of home value. Effective tax rates are useful for comparing between areas and between states. The table below shows the median annual property tax payment, the median home value and average effective property tax rate for every county in Massachusetts. The state average is 1.15%.
|County||Median Home Value||Median Annual Property Tax Payment||Average Effective Property Tax Rate|
In dollar terms, Middlesex County has the highest annual property taxes of any county in Massachusetts. The median property tax owed on a home in Middlesex County is $4,725. That is about $600 more than the next highest county, Essex County. The average effective tax rate in Middlesex County is 1.19%.
Rates in the county vary depending on which city your home is in. In Lowell, for example, the total rate for fiscal year 2015 is $15.48 per $1,000 in assessed value. In Cambridge the rate is significantly lower at $7.82 per $1,000 in assessed value.
Worcester County is located in central Massachusetts and has the second largest population of any Massachusetts county. Property taxes differ greatly between cities in Worcester County but on average the effective tax rate across the county is 1.32%, 4th highest in the state.
In the city of Worcester, which is the largest city in the county, the total rate is much higher. For fiscal year 2015 the total rate in Worcester is $20.07 per $1,000 in assessed value. At that rate someone with a home value of $300,000 would owe over $6,000 in taxes annually.
The northernmost county in Massachusetts, Essex County has relatively high home prices but property tax rates close to average. The county’s median home value is close to $350,000, while the average effective property tax rate is 1.18%.
Suffolk County is home to the city of Boston and is the fourth most populous county in Massachusetts. The 2015 total tax rate in Boston is $12.11 per $1,000 in assessed value. One of the largest recipients of those property tax dollars is public education.
The median home value in Norfolk County is $391,100, nearly double the national average. Thus, while property tax rates in the county are not especially high, property tax bills often are high. The median annual property tax payment in Norfolk County is $4,623. That is more than double the national average.
Located in southern Massachusetts along the border with Rhode Island, Bristol County has relatively low property taxes. The average effective property tax in the county is 1.07%. At that rate, a homeowner with a home worth $250,000 would pay $2,675 annually in property taxes.
At 1.20%, the average effective property tax rate in Plymouth County is the sixth highest in the state. That rate will vary depending on what city or town you pay taxes to. For example, in the city of Plymouth the total rate for fiscal year 2015 is $15.54 per $1,000 in assessed value (roughly equal to an effective rate of 1.55%). In Brockton, the total rate is $18.15 per $1,000 is assessed value.
On average, Hampden County has the highest property taxes of any county in Massachusetts. The county’s average effective property tax rate is 1.50%, which ranks highest in the state. The taxes owed on a home worth $200,000 at that rate would be $3,000 per year.
If you’re seeking low property taxes in the state of Massachusetts, Barnstable County may be a good choice. The county, which covers Cape Cod, has an average effective tax rate is 0.75%. This is well below the state average. The median annual tax payment of $2,746 in Barnstable County is about $1,000 less than the state median.
Hampshire County is located north of the city of Springfield. The county’s largest city in Amherst, which has relatively high property taxes. The total tax rate for the fiscal year 2015 in Amherst is $20.54 per $1,000 of assessed value. The average tax bill for a single family home in Amherst in 2015 is $6,842.
Property Tax: Which Counties are Getting the Best Bang for Their Buck
SmartAsset’s interactive map highlights the places across the country where property tax dollars are being spent most effectively. Zoom between states and the national map to see the counties getting the biggest bang for their property tax buck.
Our study aims to find the places in the United States where people are getting the most for their property tax dollars. To do this we looked at school rankings, crime rates and property taxes for every county.
As a way to measure the quality of schools, we calculated the average math and reading/language arts proficiencies for all the school districts in the country. Within each state, these schools were then ranked between 1 and 10 (with 10 being the best) based on those average scores.
For each county, we calculated the violent and property crimes per 100,000 residents.
Using the school and crime numbers, we calculated a community score. This is the ratio of the school rank to the combined crime rate per 100,000 residents.
We used the number of households, median home value and average property tax rate to calculate a per capita property tax collected for each county.
Finally, we calculated a tax value by creating a ratio of the community score to the per capita property tax paid. This shows us the counties in the country where people are getting the most bang for their buck, or where their property tax dollars are going the furthest.
Sources: US Census Bureau 2016 American Community Survey, Department of Education, Federal Bureau of Investigation, State Police or Justice Department websites