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City · 5,796 residents · Plymouth County, Massachusetts

Scituate , Massachusetts

In Scituate, a typical home is worth $821,600. Compared with all of Plymouth County, the typical home value is 48% higher, typical household income is 9% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $821,600

    48% above the county

    46% above Massachusetts

    • Scituate
    • Plymouth
    • Massachusetts

  • Typical household income

    $124,549a year

    9% above the county

    20% above Massachusetts

    • Scituate
    • Plymouth
    • Massachusetts

  • Households that own their home

    83%

    5 points above the county

    20 points above Massachusetts

    • Scituate
    • Plymouth
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$1,023,369
7.3% more than 12 months ago

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

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 Scituate apart

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

  1. The typical home in Scituate is worth $821,600, 48% more than in Plymouth County as a whole ($556,000).

  2. Nearby, in Abington, the typical home value is $539,600: 34% less than in Scituate ($821,600).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Scituate rose 7.3%; in Massachusetts, it rose 2.3%.

  4. 83% of households in Scituate own their home, against 78% in Plymouth County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Scituate

What homes there are in 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

Detached houses, standing on their own, make up 80% of homes here, against 70% in Plymouth County.

Year built

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

$3,698 a month

Plymouth County: $2,799 a month

Without a mortgage

$1,317 a month

Plymouth County: $1,083 a month

Owners with a mortgage

60%

Plymouth County: 69%

Owning costs more in Scituate: with a mortgage, the typical cost is $3,698 a month; in Plymouth County, $2,799. Without one, $1,317.

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

Much as in Plymouth County, the typical home value in Scituate rose 52% since 2015–2019.

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

MeasureScituatePlymouth 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 2.312.582.442.53
Drive alone 58%71%61%69%
Carpool Unreliable estimate7%7%9%
Public transit 8%3%7%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 27%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: 2.31 on average, against 2.58 in Plymouth County.

In Scituate, 27% 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 Scituate?

A typical home costs more than the typical income allows

We start with a typical home in Scituate, worth $821,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Scituate, which is $124,549 a year. For that payment to be 28% of income, a household would need to earn about $294,389 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 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 $28,756 (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

$6,869

at 7.18% · 30 years

Loan amount
$806,719
Total interest
$1,160,679
Paid off in
November 2056

Includes $13,875 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,906 a month

  • Tight

    $2,906 to $3,736 a month

  • Hard

    more than $3,736 a month

    Your payment · 66%

Compared with the typical household income in Scituate ($124,549 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,869
Principal & interest$5,465
Property tax$698
Home insurance$342
FHA mortgage insurance (MIP)$363

You need at least $28,756 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

Scituate and Plymouth County

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).

Scituate's own numbers

Typical home value
$821,600
Typical yearly household income
$124,549
Households that own their home
83%
Effective property tax rate
1.02%

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 Scituate

A typical home in Scituate is worth $821,600: 48% above the county and 46% above Massachusetts. With the typical household income in Scituate ($124,549 a year), a typical home costs 6.6 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.

  • Scituate 6.6 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

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
  • Scituate $821,600
  • Plymouth $556,000
  • Massachusetts $562,100
  • United States $332,700
Typical yearly household income
  • Scituate $124,549
  • Plymouth $114,201
  • Massachusetts $103,960
  • United States $80,734
See the full table
Scituate next to Plymouth County and Massachusetts
Measure Scituate Plymouth County Massachusetts U.S.
Typical home value $821,600 $556,000 $562,100 $332,700
Typical yearly household income $124,549 $114,201 $103,960 $80,734
Households that own their home 83% 78% 63% 65%
Typical yearly property tax $8,345 $6,502 $5,992 $3,119
Effective property tax rate 1.02% 1.17% 1.07% 0.94%
Renters with high rent for their income 46% 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 Scituate

For a typical $821,600 home in Scituate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scituate's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,869a month

    Least cash to close
    Down payment
    $28,756
    Cash to close
    $53,404
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $363

  • Conventional, 5% down $6,718a month

    Down payment
    $41,080
    Cash to close
    $65,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $390

  • Conventional, 20% down, no PMI $5,493a month

    Down payment
    $164,320
    Cash to close
    $188,968
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,253a month

    Down payment
    $123,240
    Cash to close
    $147,888
    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 Scituate and for Plymouth County.

Property tax

Effective rate in Scituate

1.02%of the home’s value each year

$8,345 a year for the typical owner in Scituate.

  • Scituate 1.02%
  • 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 Scituate

The Census Bureau publishes no typical rent for Scituate. Below are the fair market rents for Plymouth County. In Scituate, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Plymouth County; Scituate 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 liveScituate 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 Scituate

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

Low-income apartments

Low-income apartments in Scituate

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

  • Kent Village 65 N River Rd, Scituate 02066 64 low-income homes · For families (781) 545-2233
  • Central Park Elderly Housing 69 Branch St, Scituate 02066 51 low-income homes · Run by Scituate Housing Authority · Average payment: $652 a month (781) 545-3375
  • Gene Burns House 664 Country Way, Scituate 02066 4 low-income homes · For people with disabilities

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

Free help

Help to buy or rent in 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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Scituate

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

The HUD-approved agencies closest to the center of 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 · 14 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 · 14 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 · 19 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 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 Scituate

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

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 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 Scituate.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Scituate

Short answers with the numbers for 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 Scituate?

The typical home value in Scituate is $821,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Plymouth County it is $556,000.

What is the FHA loan limit in Scituate?

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 Scituate?

The typical homeowner in Scituate pays $8,345 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Plymouth County, the rate is 1.17%.

Where can I find free help to buy or rent in 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).