Mortgage payment calculator for Carlisle, MA
Starts from local data for Carlisle, MA (ZIP 01741): the Middlesex County property tax rate of 1.03% and the 7.32% 30-year mortgage rate. Every value stays editable.
Monthly payment
$2,814
- Principal & interest
- $2,023
- Property tax
- $500.00
- Insurance
- $291.67
- HOA
- $0.00
- PMI
- $0.00
- Loan amount
- $320,000
- Total interest over the loan
- $408,142
How this is calculated
- 1Loan amount = home price × (1 − down payment %).
- 2Principal & interest = L × r ÷ (1 − (1 + r)−n), where L is the loan, r the monthly rate (annual rate ÷ 12) and n the number of monthly payments.
- 3Taxes and insurance = yearly amounts ÷ 12.
- 4PMI = loan × PMI rate ÷ 12, only when the down payment is under 20%.
- 5Total interest = principal & interest × n − loan amount.
PMI on conventional loans can usually be removed once you reach 20% equity; this calculator shows the starting payment.
Frequently asked questions
- What is the property tax rate in Carlisle, MA?
- Owner-occupied homes in Middlesex County pay a typical 1.03% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.