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City · 38,899 residents · Norfolk County, Massachusetts

Braintree Town , Massachusetts

In Braintree Town, a typical home is worth $656,800 and typical rent is $2,024 a month. Compared with all of Norfolk County, typical household income is 7% lower, typical rent is 6% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $656,800

    4% below the county

    17% above Massachusetts

    • Braintree Town
    • Norfolk
    • Massachusetts

  • Typical rent

    $2,024a month

    6% below the county

    15% above Massachusetts

    • Braintree Town
    • Norfolk
    • Massachusetts

  • Typical household income

    $122,214a year

    7% below the county

    18% above Massachusetts

    • Braintree Town
    • Norfolk
    • Massachusetts

  • Households that own their home

    78%

    9 points above the county

    15 points above Massachusetts

    • Braintree Town
    • Norfolk
    • Massachusetts

Source: U.S. Census Bureau, Average 2020–2024

Braintree Town is in Norfolk County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Norfolk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Braintree Town apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Holbrook, the typical rent is $1,094: 46% less than in Braintree Town ($2,024).

  2. Nearby, in Holbrook, the typical home value is $465,400: 29% less than in Braintree Town ($656,800).

  3. 78% of households in Braintree Town own their home, against 69% in Norfolk County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Braintree Town

What homes there are in Braintree Town, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Braintree Town, 7 in 10 homes are single-family detached houses; in Norfolk County, 6.

Year built

Homes in Braintree Town are older: the typical year built is 1957; in Norfolk County, 1964.

In Braintree Town, 63% of homes have 3 bedrooms or more, more than in Norfolk County (59%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

At least 86% of rented homes in Braintree Town cost less than $3,000, below HUD's 2-bedroom fair market rent ($3,008).

With a mortgage

$2,823 a month

Norfolk County: $3,171 a month

Without a mortgage

$948 a month

Norfolk County: $1,222 a month

Owners with a mortgage

68%

Norfolk County: 67%

Owning costs less in Braintree Town: with a mortgage, the typical cost is $2,823 a month; in Norfolk County, $3,171. Without one, $948.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Braintree Town rose 44% since 2015–2019, about the same as in Norfolk County (45%).

Rents in Braintree Town rose at about the same pace as in Norfolk County: 33% since 2015–2019, against 35%.

The typical household income in Braintree Town rose 27%: less than home values (+44%) and rent (+33%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBraintree TownNorfolk CountyMassachusettsUnited States
Rental vacancy Unreliable estimate4.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room 2.3%2.0%2.3%3.4%
People per household 2.662.512.442.53
Drive alone 62%57%61%69%
Carpool 8%6%7%9%
Public transit 9%9%7%3%
Walk or bike Unreliable estimate4%5%3%
Work from home 18%23%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Norfolk County, 2.3% of households in Braintree Town have more than one person per room.

More people live in each home here: 2.66 on average, against 2.51 in Norfolk County.

To get to work, 62% of workers in Braintree Town drive alone; in Norfolk County, 57%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Braintree Town?

A typical home costs more than the typical income allows

We start with a typical home in Braintree Town, worth $656,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Braintree Town, which is $122,214 a year. For that payment to be 28% of income, a household would need to earn about $230,882 a year.

The calculator's FHA and conventional loan limits are those of all of Norfolk County.

Your numbers

Local data
$

Starts at the typical home value in Braintree Town. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,988 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,387

at 7.18% · 30 years

Loan amount
$644,904
Total interest
$927,865
Paid off in
November 2056

Includes $11,092 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,852 a month

  • Tight

    $2,852 to $3,666 a month

  • Hard

    more than $3,666 a month

    Your payment · 53%

Compared with the typical household income in Braintree Town ($122,214 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,387
Principal & interest$4,369
Property tax$454
Home insurance$274
FHA mortgage insurance (MIP)$290

You need at least $22,988 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Braintree Town and Norfolk County

Braintree Town is in Norfolk County, Massachusetts. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Braintree Town's own numbers

Typical home value
$656,800
Typical monthly rent
$2,024
Typical yearly household income
$122,214
Households that own their home
78%
Effective property tax rate
0.83%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Norfolk County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,409–$3,008
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
2.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Norfolk County.

Everything about Norfolk County

Buying

Buying a home in Braintree Town

A typical home in Braintree Town is worth $656,800: 4% below the county and 17% above Massachusetts. With the typical household income in Braintree Town ($122,214 a year), a typical home costs 5.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Braintree Town 5.4 years
  • Norfolk 5.2 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Norfolk County

According to FHFA’s house price index, home prices in Norfolk County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Norfolk County.

Period County Massachusetts U.S.
Last year (2025) +3.0% +3.7% +2.9%
5 years (2020–2025) +45% +49% +47%
10 years (2015–2025) +80% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Braintree Town next to Norfolk County, Massachusetts and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Braintree Town $656,800
  • Norfolk $683,900
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Braintree Town $2,024
  • Norfolk $2,149
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Braintree Town $122,214
  • Norfolk $130,739
  • Massachusetts $103,960
  • United States $80,734
See the full table
Braintree Town next to Norfolk County and Massachusetts
Measure Braintree Town Norfolk County Massachusetts U.S.
Typical home value $656,800 $683,900 $562,100 $332,700
Typical monthly rent $2,024 $2,149 $1,762 $1,413
Typical yearly household income $122,214 $130,739 $103,960 $80,734
Households that own their home 78% 69% 63% 65%
Typical yearly property tax $5,436 $7,261 $5,992 $3,119
Effective property tax rate 0.83% 1.06% 1.07% 0.94%
Renters with high rent for their income 53% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Norfolk County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Braintree Town

For a typical $656,800 home in Braintree Town, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Braintree Town's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,387a month

    Least cash to close
    Down payment
    $22,988
    Cash to close
    $42,692
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $290

  • Conventional, 5% down $5,267a month

    Down payment
    $32,840
    Cash to close
    $52,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $312

  • Conventional, 20% down, no PMI $4,287a month

    Down payment
    $131,360
    Cash to close
    $151,064
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,895a month

    Down payment
    $98,520
    Cash to close
    $118,224
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Braintree Town and for Norfolk County.

Property tax

Effective rate in Braintree Town

0.83%of the home’s value each year

$5,436 a year for the typical owner in Braintree Town.

  • Braintree Town 0.83%
  • Norfolk 1.06%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Norfolk County

FEMA does not publish these numbers by city: they are for all of Norfolk County.

Homes in the high-risk zone
2.2%
4,629
Of those, with NFIP insurance
43%
County Massachusetts U.S.
Homes in the high-risk zone 2.2% 3% 3.5%
Of those, with NFIP insurance 43% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Braintree Town

Typical rent in Braintree Town is $2,024 a month: 6% below the county. In Braintree Town, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Norfolk County; Braintree Town is in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. To pay the 2-bedroom one ($3,008 a month) without spending more than 30% of your income, you would need to earn $57.85 an hour working full time.

Fair market rent by size in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,440 $46.92 $97,600
1 bedroom $2,518 $48.42 $100,720
2 bedrooms $3,008 $57.85 $120,320
3 bedrooms $3,584 $68.92 $143,360
4 bedrooms $3,953 $76.02 $158,120

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $2,409 to $3,008. The table by area, below, shows which one each town is in.

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Fair market rent by HUD area in Norfolk County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area The area where most people liveBraintree Town is in this area
27 towns in this area

Bellingham town, Braintree Town city, Brookline town, Canton town, Cohasset town, Dedham town, Dover town, Foxborough town, Franklin Town city, Holbrook town, Medfield town, Medway town, Millis town, Milton town, Needham town, Norfolk town, Norwood town, Plainville town, Quincy city, Randolph city, Sharon town, Stoughton town, Walpole town, Wellesley town, Westwood town, Weymouth Town city, Wrentham town

 $2,440$2,518$3,008$3,584$3,953$57.85
Brockton, MA HUD Metro FMR Area
1 town in this area

Avon town

 $1,678$1,842$2,409$3,015$3,166$46.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Braintree Town

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Braintree Town is in ZIP code 02184.

For 2 bedrooms it is $2,860.

  • 02184 $2,860$3,410

A ZIP code counts for Braintree Town when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Braintree Town

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Norfolk County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Braintree Town

No down payment, repair or rent-help program on our list is for Braintree Town or Norfolk County. The ones below are statewide in Massachusetts: they work in Braintree Town the same as in the rest of the state.

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near Braintree Town

The HUD-approved agencies closest to the center of Braintree Town, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Quincy Community Action Programs, Inc.

    1509 Hancock St, Quincy · 3 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (617) 479-8181

  • Neighborhood Housing Services of the South Shore DBA Neighborworks Housing Solutions

    422 Washington St, Quincy · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (617) 770-2227

  • Nid-Hca Phipps

    1539 Blue Hill Ave, Boston · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (617) 296-3693

Every agency in Norfolk County All counseling agencies in Massachusetts

Help in Spanish near Braintree Town

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Braintree Town

In HUD’s record, no housing authority with an office in Norfolk County is named for Braintree Town or Norfolk County.

14 other authorities have an office in Norfolk County: see the list Source: HUD

Cities

Other cities in Norfolk County

These cities are also in Norfolk County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Norfolk County Housing in Massachusetts
See 4 more cities in Norfolk County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Braintree Town, with the typical home value.

Neighboring counties

If Norfolk County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Braintree Town.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Braintree Town

Short answers with the numbers for Braintree Town and all of Norfolk County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Braintree Town?

The typical home value in Braintree Town is $656,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Norfolk County it is $683,900.

How much does it cost to rent in Braintree Town?

Typical rent in Braintree Town is $2,024 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Norfolk County is $2,409–$3,008.

What is the FHA loan limit in Braintree Town?

Braintree Town uses the FHA limit for all of Norfolk County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Braintree Town?

The typical homeowner in Braintree Town pays $5,436 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Norfolk County, the rate is 1.06%.

Where can I find free help to buy or rent in Braintree Town?

There are 2 HUD-approved counseling agencies with an office in Norfolk County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).