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True Cape Cod Monthly Cost

Most payment calculators stop at principal and interest. On the Cape, the town you buy in, flood insurance and septic or sewer can change the monthly number by hundreds of dollars. This one includes them.

The home

Purchase price

Town

Village / fire districtBarnstable adds a fire district rate on top of the town rate.

Tax rate per $1,000 Town guide

Residential exemption ($)

This will be my primary (year-round) residence

The loan

Conventional VA FHA

Down payment %

Interest rate %Example only. Use your lender's quote.

Term (years)

Mortgage insurance (% of loan per year)Example. PMI depends on credit and down payment; FHA has its own annual premium. Ask your lender.

Cape Cod costs (yearly unless noted)

Homeowners insurance / yrExample. Coastal quotes vary widely; get one before your offer deadline. Why

Flood insurance / yrRequired by lenders in FEMA high-risk zones. Check the zone

Condo / HOA fee / month

Septic upkeep & reserve / yrExample: pumping plus a small reserve. I/A systems carry an annual service contract. Septic guide

Sewer bill + betterment / yrIf the home is on, or will be on, town sewer. Ask the town for the betterment amount.

Estimated monthly cost

Down payment:

Loan amount:

Property tax per year:

Email me this estimate

Estimates only, for planning. Tax rates come from our town guides and may not be the current fiscal year. Residential exemptions apply only to a qualifying primary residence and are set by each town. Insurance, rate, mortgage insurance and septic figures are examples to replace with real quotes. Your lender's Loan Estimate is the official number. Not a loan offer or commitment to lend.

Email me this estimate

Get a copy of these numbers, and Sherman will follow up with real figures for the homes you're looking at. No obligation.

Want real numbers for a specific home?

Call or text Sherman at 508-534-3425. He'll pull the actual tax bill, flood zone and septic history.

Contact Sherman