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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Chatham, MA Housing Affordability Index

Chatham, Massachusetts has an MBR Housing Affordability Index score of 47.4 (Least Affordable) as of October 30, 2026, ranking 192nd most affordable of 193 scored Massachusetts cities, compared with 76.0 statewide and 97.4 nationally. On a median-priced $1,866,800 home with 20% down, a jumbo loan at 7.35% means a monthly principal and interest payment of about $10,291, or 147% of the city’s $83,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Chatham is updated every night from live Massachusetts mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Chatham MBR-HAI 47.4 Least Affordable
Rank in Massachusetts 192 of 193 1 = most affordable
Massachusetts 76.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.10% Massachusetts lenders
Median home value $1,866,800 U.S. Census Bureau

Chatham is 28.6 points below the Massachusetts score. Scores as of October 30, 2026. See the Massachusetts index

View Chatham Mortgage Rates

What It Takes to Buy in Chatham

$10,291/mo
Principal & Interest
Median home, 20% down, 7.35% jumbo
$441,100
Income Needed
To keep the payment at 28% of income
$83,750
Median Household Income
Massachusetts: $103,960
22.3x
Price-to-Income Ratio
Massachusetts: 5.4x
$1,684/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$6,085/yr
Median Property Tax
Massachusetts figure
61.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Chatham, Massachusetts. The rate is the Massachusetts average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

How Chatham Ranks in Massachusetts

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Cite the Chatham Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Chatham, Massachusetts score: 47.4 (Least Affordable), ranked 192 of 193 Massachusetts cities. monitorbankrates.com/housing-affordability-index/massachusetts/chatham”