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City · 7,918 residents · Plymouth County, Massachusetts

Plymouth , Massachusetts

In Plymouth, a typical home is worth $446,800 and typical rent is $1,830 a month. Compared with all of Plymouth County, typical household income is 28% lower, the typical home value is 20% lower, and the share of households that own their home is 32 points lower.

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  • Typical home value

    $446,800

    20% below the county

    21% below Massachusetts

    • Plymouth
    • County
    • Massachusetts

  • Typical rent

    $1,830a month

    5% above the county

    4% above Massachusetts

    • Plymouth
    • County
    • Massachusetts

  • Typical household income

    $81,703a year

    28% below the county

    21% below Massachusetts

    • Plymouth
    • County
    • Massachusetts

  • Households that own their home

    46%

    32 points below the county

    17 points below Massachusetts

    • Plymouth
    • County
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$650,702
4.2% more than 12 months ago
Typical rent
$2,801 a month
2.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Plymouth 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 Plymouth apart

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

  1. 46% of households in Plymouth own their home, against 78% in Plymouth County.

  2. The typical household income in Plymouth is $81,703, 28% less than in Plymouth County as a whole ($114,201).

  3. The typical home in Plymouth is worth $446,800, 20% less than in Plymouth County as a whole ($556,000).

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

The homes here

Housing in Plymouth

What homes there are in Plymouth, 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 Plymouth there is a bit of everything: no kind of home reaches half. The most common are detached houses (30%); in Plymouth County, 70%.

Year built

The typical home in Plymouth was built before 1940, the oldest group the Census tells apart; 58% of homes date from before 1960.

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

$2,630 a month

Plymouth County: $2,799 a month

Without a mortgage

$966 a month

Plymouth County: $1,083 a month

Owners with a mortgage

73%

Plymouth County: 69%

The typical cost for an owner with a mortgage in Plymouth is $2,630 a month, less than in Plymouth County ($2,799); without one, $966.

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 Plymouth rose 28% since 2015–2019, less than in Plymouth County (50%).

The typical rent in Plymouth rose 39% since 2015–2019, about the same as in Plymouth County (37%).

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

MeasurePlymouthPlymouth 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 1.912.582.442.53
Drive alone 67%71%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate3%7%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 17%16%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.91 on average, against 2.58 in Plymouth County.

To get to work, 67% of workers in Plymouth drive alone; in Plymouth County, 71%.

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 Plymouth?

A typical home costs more than the typical income allows

We start with a typical home in Plymouth, worth $446,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Plymouth, which is $81,703 a year. For that payment to be 28% of income, a household would need to earn about $164,083 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 Plymouth. 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 $15,638 (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

$3,829

at 7.18% · 30 years

Loan amount
$438,707
Total interest
$631,197
Paid off in
November 2056

Includes $7,545 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,906 a month

  • Tight

    $1,906 to $2,451 a month

  • Hard

    more than $2,451 a month

    Your payment · 56%

Compared with the typical household income in Plymouth ($81,703 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,829
Principal & interest$2,972
Property tax$473
Home insurance$186
FHA mortgage insurance (MIP)$198

You need at least $15,638 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

Plymouth and Plymouth County

Plymouth 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).

Plymouth's own numbers

Typical home value
$446,800
Typical monthly rent
$1,830
Typical yearly household income
$81,703
Households that own their home
46%
Effective property tax rate
1.27%

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 Plymouth

A typical home in Plymouth is worth $446,800: 20% below the county and 21% below Massachusetts. With the typical household income in Plymouth ($81,703 a year), a typical home costs 5.5 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.

  • Plymouth 5.5 years
  • County 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

Plymouth 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
  • Plymouth $446,800
  • County $556,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Plymouth $1,830
  • County $1,747
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Plymouth $81,703
  • County $114,201
  • Massachusetts $103,960
  • United States $80,734
See the full table
Plymouth next to Plymouth County and Massachusetts
Measure Plymouth Plymouth County Massachusetts U.S.
Typical home value $446,800 $556,000 $562,100 $332,700
Typical monthly rent $1,830 $1,747 $1,762 $1,413
Typical yearly household income $81,703 $114,201 $103,960 $80,734
Households that own their home 46% 78% 63% 65%
Typical yearly property tax $5,687 $6,502 $5,992 $3,119
Effective property tax rate 1.27% 1.17% 1.07% 0.94%
Renters with high rent for their income 52% 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 Plymouth

For a typical $446,800 home in Plymouth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plymouth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,829a month

    Least cash to close
    Down payment
    $15,638
    Cash to close
    $29,042
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $198

  • Conventional, 5% down $3,747a month

    Down payment
    $22,340
    Cash to close
    $35,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $212

  • Conventional, 20% down, no PMI $3,080a month

    Down payment
    $89,360
    Cash to close
    $102,764
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,494a month

    Down payment
    $67,020
    Cash to close
    $80,424
    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 Plymouth and for Plymouth County.

Property tax

Effective rate in Plymouth

1.27%of the home’s value each year

$5,687 a year for the typical owner in Plymouth.

  • Plymouth 1.27%
  • County 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 Plymouth

Typical rent in Plymouth is $1,830 a month: 5% above the county. In Plymouth, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Plymouth County; Plymouth 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 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 livePlymouth is in this area
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 Plymouth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plymouth is in ZIP code 02360.

For 2 bedrooms it is $2,650.

  • 02360 $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 Plymouth 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 Plymouth

HUD lists 3 buildings with rents for lower incomes in Plymouth. These are the largest.

  • Algonquin Heights 1 Algonquin Ter, Plymouth 02360 201 homes, 181 low-income · For families (508) 746-4133
  • Cherry Hill II 128 Court St, Plymouth 35 low-income homes · 1 bd: 31 · 2 bd: 4 · In service since 2010 · For older adults
  • High Cliff Apartments 84 Nicks Rock Rd, Plymouth 02360 30 low-income homes · Run by Plymouth Housing Authority (508) 746-2105

See all 82 buildings in Plymouth County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Plymouth

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Plymouth

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

The HUD-approved agencies closest to the center of Plymouth, 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 · 26 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 · 26 miles away

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

  • Housing Assistance Corp.

    460 W Main St, Hyannis · 28 miles away

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

All counseling agencies in Massachusetts

Help in Spanish near Plymouth

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 Plymouth

HUD’s record names them for Plymouth or Plymouth County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Plymouth Housing Authority Public housing and Section 8 vouchers (508) 746-2105

9 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 Plymouth, 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 Plymouth.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Plymouth

Short answers with the numbers for Plymouth 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 Plymouth?

The typical home value in Plymouth is $446,800, 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 Plymouth?

Typical rent in Plymouth is $1,830 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 Plymouth?

Plymouth 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 Plymouth?

The typical homeowner in Plymouth pays $5,687 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Plymouth County, the rate is 1.17%.

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

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).