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City · 6,194 residents · Barnstable County, Massachusetts

West Yarmouth , Massachusetts

In West Yarmouth, a typical home is worth $494,600 and typical rent is $1,470 a month. Compared with all of Barnstable County, typical household income is 31% lower and the typical home value is 21% lower.

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  • Typical home value

    $494,600

    21% below the county

    12% below Massachusetts

    • West Yarmouth
    • Barnstable
    • Massachusetts

  • Typical rent

    $1,470a month

    12% below the county

    17% below Massachusetts

    • West Yarmouth
    • Barnstable
    • Massachusetts

  • Typical household income

    $65,841a year

    31% below the county

    37% below Massachusetts

    • West Yarmouth
    • Barnstable
    • Massachusetts

  • Households that own their home

    77%

    5 points below the county

    14 points above Massachusetts

    • West Yarmouth
    • Barnstable
    • Massachusetts

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

West Yarmouth 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 West Yarmouth apart

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

  1. West Yarmouth has the 5th largest share of rent-burdened renters of the 115 cities in Massachusetts with more than 5,000 people (74%).

  2. The typical household income in West Yarmouth is $65,841, 31% less than in Barnstable County as a whole ($95,241).

  3. The typical home in West Yarmouth is worth $494,600, 21% less than in Barnstable County as a whole ($629,000).

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

The homes here

Housing in West Yarmouth

What homes there are in West Yarmouth, 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

The detached house is still the most common home in West Yarmouth, but it weighs less than in Barnstable County: 75% against 82%.

Year built

In West Yarmouth, half of the homes were built before 1971; in Barnstable County, before 1977.

Homes in West Yarmouth are smaller: 59% have 3 bedrooms or more; in Barnstable County, 67%.

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

$2,325 a month

Barnstable County: $2,432 a month

Without a mortgage

$857 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 West Yarmouth is $2,325 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, the typical home value in West Yarmouth rose 69%; in Barnstable County, it rose 60%.

Since 2015–2019, the typical rent in West Yarmouth did not change clearly, according to the Census.

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

MeasureWest YarmouthBarnstable 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 1.972.162.442.53
Drive alone 82%72%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%7%3%
Walk or bike Unreliable estimate3%5%3%
Work from home Unreliable estimate16%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in West Yarmouth are smaller: 1.97 people on average; in Barnstable County, 2.16.

In West Yarmouth, 82% of workers drive alone to work; 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 West Yarmouth?

A typical home costs more than the typical income allows

We start with a typical home in West Yarmouth, worth $494,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 73% of the typical household income in West Yarmouth, which is $65,841 a year. For that payment to be 28% of income, a household would need to earn about $171,745 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 West Yarmouth. 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 $17,311 (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

$4,007

at 7.18% · 30 years

Loan amount
$485,642
Total interest
$698,724
Paid off in
November 2056

Includes $8,353 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,536 a month

  • Tight

    $1,536 to $1,975 a month

  • Hard

    more than $1,975 a month

    Your payment · 73%

Compared with the typical household income in West Yarmouth ($65,841 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,007
Principal & interest$3,290
Property tax$293
Home insurance$206
FHA mortgage insurance (MIP)$219

You need at least $17,311 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

West Yarmouth and Barnstable County

West Yarmouth 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).

West Yarmouth's own numbers

Typical home value
$494,600
Typical monthly rent
$1,470
Typical yearly household income
$65,841
Households that own their home
77%
Effective property tax rate
0.71%

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 West Yarmouth

A typical home in West Yarmouth is worth $494,600: 21% below the county and 12% below Massachusetts. With the typical household income in West Yarmouth ($65,841 a year), a typical home costs 7.5 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.

  • West Yarmouth 7.5 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

West Yarmouth 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
  • West Yarmouth $494,600
  • Barnstable $629,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • West Yarmouth $1,470
  • Barnstable $1,678
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • West Yarmouth $65,841
  • Barnstable $95,241
  • Massachusetts $103,960
  • United States $80,734
See the full table
West Yarmouth next to Barnstable County and Massachusetts
Measure West Yarmouth Barnstable County Massachusetts U.S.
Typical home value $494,600 $629,000 $562,100 $332,700
Typical monthly rent $1,470 $1,678 $1,762 $1,413
Typical yearly household income $65,841 $95,241 $103,960 $80,734
Households that own their home 77% 81% 63% 65%
Typical yearly property tax $3,527 $4,239 $5,992 $3,119
Effective property tax rate 0.71% 0.67% 1.07% 0.94%
Renters with high rent for their income 74% 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 West Yarmouth

For a typical $494,600 home in West Yarmouth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Yarmouth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,007a month

    Least cash to close
    Down payment
    $17,311
    Cash to close
    $32,149
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $219

  • Conventional, 5% down $3,917a month

    Down payment
    $24,730
    Cash to close
    $39,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $235

  • Conventional, 20% down, no PMI $3,179a month

    Down payment
    $98,920
    Cash to close
    $113,758
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,636a month

    Down payment
    $74,190
    Cash to close
    $89,028
    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 West Yarmouth and for Barnstable County.

Property tax

Effective rate in West Yarmouth

0.71%of the home’s value each year

$3,527 a year for the typical owner in West Yarmouth.

  • West Yarmouth 0.71%
  • 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 West Yarmouth

Typical rent in West Yarmouth is $1,470 a month: 12% below the county. In West Yarmouth, 74% 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 West Yarmouth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Yarmouth is in ZIP code 02673.

For 2 bedrooms it is $2,280: $208 less than the fair market rent for Barnstable County ($2,488).

  • 02673 $2,280$2,860

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

HUD lists one building with rents for lower incomes in West Yarmouth.

  • Yarmouth Gardens 497 Route 28, West Yarmouth 02673 40 homes, 4 low-income (857) 229-7101

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

Free help

Help to buy or rent in West Yarmouth

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in West Yarmouth

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

The HUD-approved agencies closest to the center of West Yarmouth, 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 · 3 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 · 48 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 · 56 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 West Yarmouth

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 West Yarmouth

In HUD’s record, no housing authority with an office in Barnstable County is named for West Yarmouth 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 West Yarmouth, 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 West Yarmouth.

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

Questions

Housing questions about West Yarmouth

Short answers with the numbers for West Yarmouth 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 West Yarmouth?

The typical home value in West Yarmouth is $494,600, 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 West Yarmouth?

Typical rent in West Yarmouth is $1,470 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 West Yarmouth?

West Yarmouth 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 West Yarmouth?

The typical homeowner in West Yarmouth pays $3,527 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Barnstable County, the rate is 0.67%.

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

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).