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City · 6,245 residents · Barnstable County, Massachusetts

East Falmouth , Massachusetts

In East Falmouth, a typical home is worth $593,000 and typical rent is $2,116 a month. Compared with all of Barnstable County, typical rent is 26% higher, typical household income is 14% lower, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $593,000

    6% below the county

    5% above Massachusetts

    • East Falmouth
    • Barnstable
    • Massachusetts

  • Typical rent

    $2,116a month

    26% above the county

    20% above Massachusetts

    • East Falmouth
    • Barnstable
    • Massachusetts

  • Typical household income

    $81,464a year

    14% below the county

    22% below Massachusetts

    • East Falmouth
    • Barnstable
    • Massachusetts

  • Households that own their home

    88%

    7 points above the county

    25 points above Massachusetts

    • East Falmouth
    • Barnstable
    • Massachusetts

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

East Falmouth is in Barnstable County. The FHA loan limit ($828,000 for a one-unit home), the fair market rents and the help on this page are those of all of Barnstable County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Falmouth apart

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

  1. East Falmouth has the 6th largest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (72%).

  2. Nearby, in West Yarmouth, the typical rent is $1,470: 31% less than in East Falmouth ($2,116).

  3. Nearby, in Bliss Corner, the typical home value is $446,200: 25% less than in East Falmouth ($593,000).

  4. The typical rent in East Falmouth is $2,116 a month, 26% more than in Barnstable County as a whole ($1,678).

  5. East Falmouth has the 8th highest homeownership rate of the 123 cities in Massachusetts with more than 5,000 people (88%).

  6. 11% of households in East Falmouth have no internet at home (4% in Barnstable County).

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

The homes here

Housing in East Falmouth

What homes there are in East Falmouth, 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 East Falmouth, 10 in 10 homes are single-family detached houses; in Barnstable County, 8.

Year built

Homes in East Falmouth are older: the typical year built is 1973; in Barnstable County, 1977.

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

With a mortgage

$2,520 a month

Barnstable County: $2,432 a month

Without a mortgage

$780 a month

Barnstable County: $929 a month

Owners with a mortgage

54%

Barnstable County: 58%

The typical cost for an owner with a mortgage in East Falmouth is $2,520 a month, near the figure in Barnstable County ($2,432).

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

From 2015–2019 to 2020–2024, home values in East Falmouth rose at about the same pace as in Barnstable County: 58% against 60%.

Rents in East Falmouth rose faster than in Barnstable County: 46% since 2015–2019, against 28%.

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

MeasureEast FalmouthBarnstable CountyMassachusettsUnited States
Rental vacancy Unreliable estimate4.7%3.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.6%0.9%
More than one person per room Unreliable estimate1.2%2.3%3.4%
People per household 2.112.162.442.53
Drive alone 77%72%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%7%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 15%16%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in East Falmouth has 2.11 people on average, about the same as in Barnstable County (2.16).

To get to work, 77% of workers in East Falmouth drive alone; in Barnstable County, 72%.

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 East Falmouth?

A typical home costs more than the typical income allows

We start with a typical home in East Falmouth, worth $593,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in East Falmouth, which is $81,464 a year. For that payment to be 28% of income, a household would need to earn about $203,584 a year.

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

Your numbers

Local data
$

Starts at the typical home value in East Falmouth. 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 $20,755 (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

$4,750

at 7.18% · 30 years

Loan amount
$582,259
Total interest
$837,735
Paid off in
November 2056

Includes $10,014 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,901 a month

  • Tight

    $1,901 to $2,444 a month

  • Hard

    more than $2,444 a month

    Your payment · 70%

Compared with the typical household income in East Falmouth ($81,464 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,750
Principal & interest$3,944
Property tax$297
Home insurance$247
FHA mortgage insurance (MIP)$262

You need at least $20,755 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

East Falmouth and Barnstable County

East Falmouth is in Barnstable 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).

East Falmouth's own numbers

Typical home value
$593,000
Typical monthly rent
$2,116
Typical yearly household income
$81,464
Households that own their home
88%
Effective property tax rate
0.6%

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

Numbers for all of Barnstable County

FHA limit, one-unit home
$828,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,488
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
9.8%

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 Barnstable County.

Everything about Barnstable County

Buying

Buying a home in East Falmouth

A typical home in East Falmouth is worth $593,000: 6% below the county and 5% above Massachusetts. With the typical household income in East Falmouth ($81,464 a year), a typical home costs 7.3 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.

  • East Falmouth 7.3 years
  • Barnstable 6.6 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Barnstable County

According to FHFA’s house price index, home prices in Barnstable County rose 103% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +1.8% +3.7% +2.9%
5 years (2020–2025) +65% +49% +47%
10 years (2015–2025) +103% +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

East Falmouth next to Barnstable 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
  • East Falmouth $593,000
  • Barnstable $629,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • East Falmouth $2,116
  • Barnstable $1,678
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • East Falmouth $81,464
  • Barnstable $95,241
  • Massachusetts $103,960
  • United States $80,734
See the full table
East Falmouth next to Barnstable County and Massachusetts
Measure East Falmouth Barnstable County Massachusetts U.S.
Typical home value $593,000 $629,000 $562,100 $332,700
Typical monthly rent $2,116 $1,678 $1,762 $1,413
Typical yearly household income $81,464 $95,241 $103,960 $80,734
Households that own their home 88% 81% 63% 65%
Typical yearly property tax $3,544 $4,239 $5,992 $3,119
Effective property tax rate 0.6% 0.67% 1.07% 0.94%
Renters with high rent for their income 72% 60% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Barnstable 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 East Falmouth

For a typical $593,000 home in East Falmouth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Falmouth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,750a month

    Least cash to close
    Down payment
    $20,755
    Cash to close
    $38,545
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $262

  • Conventional, 5% down $4,642a month

    Down payment
    $29,650
    Cash to close
    $47,440
    Rate
    7.18%
    Mortgage insurance
    PMI · $282

  • Conventional, 20% down, no PMI $3,757a month

    Down payment
    $118,600
    Cash to close
    $136,390
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,306a month

    Down payment
    $88,950
    Cash to close
    $106,740
    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 East Falmouth and for Barnstable County.

Property tax

Effective rate in East Falmouth

0.6%of the home’s value each year

$3,544 a year for the typical owner in East Falmouth.

  • East Falmouth 0.6%
  • Barnstable 0.67%
  • Massachusetts 1.07%

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

Exemptions and deadlines in Massachusetts

Flood risk in Barnstable County

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

Homes in the high-risk zone
9.8%
13,520
Of those, with NFIP insurance
40%
County Massachusetts U.S.
Homes in the high-risk zone 9.8% 3% 3.5%
Of those, with NFIP insurance 40% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Falmouth

Typical rent in East Falmouth is $2,116 a month: 26% above the county. In East Falmouth, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Barnstable County, by unit size. To pay the 2-bedroom one ($2,488 a month) without spending more than 30% of your income, you would need to earn $47.85 an hour working full time.

HUD fair market rent for all of Barnstable County

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 $1,889 $36.33 $75,560
1 bedroom $1,902 $36.58 $76,080
2 bedrooms $2,488 $47.85 $99,520
3 bedrooms $3,121 $60.02 $124,840
4 bedrooms $3,721 $71.56 $148,840

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

By ZIP code

Fair market rent by ZIP code in East Falmouth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Falmouth is in ZIP code 02536.

For 2 bedrooms it is $2,630: $142 more than the fair market rent for Barnstable County ($2,488).

  • 02536 $2,630$3,300

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Falmouth 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?

Low-income apartments

Low-income apartments in East Falmouth

HUD lists one building with rents for lower incomes in East Falmouth.

  • Pri Gosnold Grove LLC 364 E Falmouth Hwy, East Falmouth 33 homes

See all 54 buildings in Barnstable County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in East Falmouth

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 is 1 HUD-approved agency with an office in Barnstable County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in East Falmouth

No down payment, repair or rent-help program on our list is for East Falmouth or Barnstable County. The ones below are statewide in Massachusetts: they work in East Falmouth 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 East Falmouth

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

  • Housing Assistance Corp.

    460 W Main St, Hyannis · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (508) 771-5400

  • Catholic Social Services - Fall River

    1600 Bay St, Fall River · 33 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (508) 674-4681

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

    422 Washington St, Quincy · 52 miles away

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

Every agency in Barnstable County All counseling agencies in Massachusetts

Help in Spanish near East Falmouth

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 East Falmouth

In HUD’s record, no housing authority with an office in Barnstable County is named for East Falmouth or Barnstable County.

6 other authorities have an office in Barnstable County: see the list Source: HUD

Cities

Other cities in Barnstable County

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

Everything about Barnstable County Housing in Massachusetts

Nearby cities

The cities closest to East Falmouth, with the typical home value.

Neighboring counties

If Barnstable 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 East Falmouth.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about East Falmouth

Short answers with the numbers for East Falmouth and all of Barnstable 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 East Falmouth?

The typical home value in East Falmouth is $593,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Barnstable County it is $629,000.

How much does it cost to rent in East Falmouth?

Typical rent in East Falmouth is $2,116 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Barnstable County is $2,488.

What is the FHA loan limit in East Falmouth?

East Falmouth uses the FHA limit for all of Barnstable County (2026): $828,000 for a one-unit home and $1,592,350 for a four-unit home.

How much property tax do owners pay in East Falmouth?

The typical homeowner in East Falmouth pays $3,544 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Barnstable County, the rate is 0.67%.

Where can I find free help to buy or rent in East Falmouth?

There is 1 HUD-approved counseling agency with an office in Barnstable 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).