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City · 6,492 residents · Plymouth County, Massachusetts

North Scituate , Massachusetts

In North Scituate, a typical home is worth $824,800 and typical rent is $1,595 a month. Compared with all of Plymouth County, the typical home value is 48% higher, typical household income is 23% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $824,800

    48% above the county

    47% above Massachusetts

    • North Scituate
    • Plymouth
    • Massachusetts

  • Typical rent

    $1,595a month

    9% below the county

    9% below Massachusetts

    • North Scituate
    • Plymouth
    • Massachusetts

  • Typical household income

    $140,329a year

    23% above the county

    35% above Massachusetts

    • North Scituate
    • Plymouth
    • Massachusetts

  • Households that own their home

    89%

    11 points above the county

    26 points above Massachusetts

    • North Scituate
    • Plymouth
    • Massachusetts

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

North Scituate is in Plymouth 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 Plymouth County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Scituate apart

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

  1. North Scituate has the 2nd largest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (78%).

  2. The typical home in North Scituate is worth $824,800, 48% more than in Plymouth County as a whole ($556,000).

  3. North Scituate has the 5th highest homeownership rate of the 123 cities in Massachusetts with more than 5,000 people (89%).

  4. Nearby, in Weymouth Town, the typical home value is $552,100: 33% less than in North Scituate ($824,800).

  5. Nearby, in Hingham, the typical rent is $1,202: 25% less than in North Scituate ($1,595).

  6. The typical household income in North Scituate is $140,329, 23% more than in Plymouth County as a whole ($114,201).

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

The homes here

Housing in North Scituate

What homes there are in North Scituate, 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 North Scituate, 9 in 10 homes are single-family detached houses; in Plymouth County, 7.

Year built

Homes in North Scituate are older: the typical year built is 1962; in Plymouth County, 1971.

Homes in North Scituate are bigger: 79% have 3 bedrooms or more; in Plymouth County, 64%.

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

$3,593 a month

Plymouth County: $2,799 a month

Without a mortgage

$1,272 a month

Plymouth County: $1,083 a month

Owners with a mortgage

72%

Plymouth County: 69%

Owning costs more in North Scituate: with a mortgage, the typical cost is $3,593 a month; in Plymouth County, $2,799. Without one, $1,272.

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 North Scituate rose 40% since 2015–2019, less than in Plymouth County (50%).

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

MeasureNorth ScituatePlymouth CountyMassachusettsUnited States
Rental vacancy Unreliable estimate2.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room Unreliable estimate2.0%2.3%3.4%
People per household 2.892.582.442.53
Drive alone 63%71%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate3%7%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 28%16%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in North Scituate has 2.89 people, more than in Plymouth County (2.58).

In North Scituate, 28% of workers work from home, more than in Plymouth County (16%).

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 North Scituate?

A typical home costs more than the typical income allows

We start with a typical home in North Scituate, worth $824,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in North Scituate, which is $140,329 a year. For that payment to be 28% of income, a household would need to earn about $296,125 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North Scituate. 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 $28,868 (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

$6,910

at 7.18% · 30 years

Loan amount
$809,861
Total interest
$1,165,200
Paid off in
November 2056

Includes $13,929 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,274 a month

  • Tight

    $3,274 to $4,210 a month

  • Hard

    more than $4,210 a month

    Your payment · 59%

Compared with the typical household income in North Scituate ($140,329 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,910
Principal & interest$5,486
Property tax$715
Home insurance$344
FHA mortgage insurance (MIP)$365

You need at least $28,868 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

North Scituate and Plymouth County

North Scituate is in Plymouth 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).

North Scituate's own numbers

Typical home value
$824,800
Typical monthly rent
$1,595
Typical yearly household income
$140,329
Households that own their home
89%
Effective property tax rate
1.04%

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

Numbers for all of Plymouth 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)
+53%
Homes in a high flood-risk zone
7.2%

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 Plymouth County.

Everything about Plymouth County

Buying

Buying a home in North Scituate

A typical home in North Scituate is worth $824,800: 48% above the county and 47% above Massachusetts. With the typical household income in North Scituate ($140,329 a year), a typical home costs 5.9 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.

  • North Scituate 5.9 years
  • Plymouth 4.9 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Plymouth County

According to FHFA’s house price index, home prices in Plymouth County rose 94% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +4.4% +3.7% +2.9%
5 years (2020–2025) +53% +49% +47%
10 years (2015–2025) +94% +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

North Scituate next to Plymouth 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
  • North Scituate $824,800
  • Plymouth $556,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • North Scituate $1,595
  • Plymouth $1,747
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • North Scituate $140,329
  • Plymouth $114,201
  • Massachusetts $103,960
  • United States $80,734
See the full table
North Scituate next to Plymouth County and Massachusetts
Measure North Scituate Plymouth County Massachusetts U.S.
Typical home value $824,800 $556,000 $562,100 $332,700
Typical monthly rent $1,595 $1,747 $1,762 $1,413
Typical yearly household income $140,329 $114,201 $103,960 $80,734
Households that own their home 89% 78% 63% 65%
Typical yearly property tax $8,601 $6,502 $5,992 $3,119
Effective property tax rate 1.04% 1.17% 1.07% 0.94%
Renters with high rent for their income 78% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Plymouth 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 North Scituate

For a typical $824,800 home in North Scituate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Scituate's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,910a month

    Least cash to close
    Down payment
    $28,868
    Cash to close
    $53,612
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $365

  • Conventional, 5% down $6,758a month

    Down payment
    $41,240
    Cash to close
    $65,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $392

  • Conventional, 20% down, no PMI $5,528a month

    Down payment
    $164,960
    Cash to close
    $189,704
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,291a month

    Down payment
    $123,720
    Cash to close
    $148,464
    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 North Scituate and for Plymouth County.

Property tax

Effective rate in North Scituate

1.04%of the home’s value each year

$8,601 a year for the typical owner in North Scituate.

  • North Scituate 1.04%
  • Plymouth 1.17%
  • Massachusetts 1.07%

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

Exemptions and deadlines in Massachusetts

Flood risk in Plymouth County

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

Homes in the high-risk zone
7.2%
11,912
Of those, with NFIP insurance
52%
County Massachusetts U.S.
Homes in the high-risk zone 7.2% 3% 3.5%
Of those, with NFIP insurance 52% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Scituate

Typical rent in North Scituate is $1,595 a month: 9% below the county. In North Scituate, 78% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Plymouth County. In Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area, the area where most people live, 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 Plymouth 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 live
13 towns in this area

Carver town, Duxbury town, Hanover town, Hingham town, Hull town, Kingston town, Marshfield town, Norwell town, Pembroke town, Plymouth town, Rockland town, Scituate town, Wareham town

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

Abington town, Bridgewater city, Brockton city, East Bridgewater town, Halifax town, Hanson town, Lakeville town, Marion town, Mattapoisett town, Middleborough town, Plympton town, Rochester town, West Bridgewater town, Whitman 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 North Scituate

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Scituate is in ZIP code 02066.

For 2 bedrooms it is $2,650.

  • 02066 $2,650$3,180

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

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.

We found no HUD-approved agencies with an office in Plymouth County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in North Scituate

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

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

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

    422 Washington St, Quincy · 11 miles away

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

  • Quincy Community Action Programs, Inc.

    1509 Hancock St, Quincy · 12 miles away

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

  • Codman Square Neighborhood Dev. Corp.

    587 Washington St, Dorchester · 17 miles away

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (617) 825-4224

All counseling agencies in Massachusetts

Help in Spanish near North Scituate

None of the 3 agencies on this list say they serve 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 North Scituate

In HUD’s record, no housing authority with an office in Plymouth County is named for North Scituate or Plymouth County.

10 other authorities have an office in Plymouth County: see the list Source: HUD

Cities

Other cities in Plymouth County

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

Everything about Plymouth County Housing in Massachusetts

Nearby cities

The cities closest to North Scituate, with the typical home value.

Neighboring counties

If Plymouth 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 North Scituate.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about North Scituate

Short answers with the numbers for North Scituate and all of Plymouth 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 North Scituate?

The typical home value in North Scituate is $824,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Plymouth County it is $556,000.

How much does it cost to rent in North Scituate?

Typical rent in North Scituate is $1,595 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Plymouth County is $2,409–$3,008.

What is the FHA loan limit in North Scituate?

North Scituate uses the FHA limit for all of Plymouth 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 North Scituate?

The typical homeowner in North Scituate pays $8,601 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Plymouth County, the rate is 1.17%.

Where can I find free help to buy or rent in North Scituate?

We found no HUD-approved counseling agencies with an office in Plymouth County; the nearest ones are on this page. 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).