Mortgage Refinance Rates in Plymouth County, Massachusetts (2026)
For Plymouth County homeowners, the refinance question in 2026 is simple: on a $381,000 balance, a move from 7.50% down to 6.25% frees up roughly $318 every month — and equity near Plymouth County opens cash-out room too.
Plymouth County rate-and-term refinance
On a representative $381,000 loan in Plymouth County, the before-and-after looks like this:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $2,664 |
| Refinanced (~6.25%) | $2,346 |
| What you would save | $318 |
Figures assume a 30-year term and Massachusetts escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Plymouth County refinance by loan size
The larger your balance, the more a rate drop returns — three Plymouth County examples:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $267,000 | $1,867 | $1,644 | $223 |
| $381,000 | $2,664 | $2,346 | $318 |
| $514,000 | $3,594 | $3,165 | $429 |
Plymouth County payment by interest rate
Payments on a $381,000 loan near Plymouth County at several rates — a small rate move is real money:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $2,163 | $3,113 |
| 5.75% | $2,223 | $3,164 |
| 6.00% | $2,284 | $3,215 |
| 6.25% | $2,346 | $3,267 |
| 6.50% | $2,408 | $3,319 |
| 6.75% | $2,471 | $3,372 |
| 7.00% | $2,535 | $3,425 |
A 15-year refinance of $381,000 near Plymouth County runs about $3,267/month versus $2,346 on a 30-year — a higher payment near Plymouth County but far less total interest over the life of the Plymouth County loan.
Plymouth County cash-out options
Need cash for a project near Plymouth County? An 80%-LTV cash-out refinance frees up about $67,000 of your Plymouth County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $560,000 |
| Balance you owe now | $381,000 |
| Max new loan at 80% LTV | $448,000 |
| Cash you could pull out | $67,000 |
In Plymouth County, Massachusetts, property taxes average roughly 1.14% of value, so escrow on a $560,000 home adds about $532/month beyond principal and interest. A $381,000 balance sits near 68% loan-to-value, leaving about $179,000 in equity — room for a rate-and-term refinance now and a cash-out later around Plymouth County.
Conforming & jumbo limits in Plymouth County
Refinances up to $1,249,125 are conforming in Plymouth County for 2026 (a high-cost limit); larger balances become jumbo refinances with stricter equity and reserve rules.
- Plymouth County value about $560,000 with a $381,000 balance (~68% LTV).
- Monthly savings near $318; break-even around month 30 on $9,525 of costs.
- Five-year net of about $9,562 and cash-out room near $67,000.
- Conforming limit $1,249,125; current equity roughly $179,000 near Plymouth County.
Lower Your Payment — Free Alerts
Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- What could a refinance save me in Plymouth County?
- On a typical $381,000 balance, moving from about 7.50% to 6.25% saves roughly $318/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Plymouth County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $560,000 Plymouth County home with a $381,000 balance, that is about $67,000 in available cash.
- When does a Plymouth County refinance turn jumbo?
- The 2026 conforming limit is $1,249,125 for a one-unit home (a high-cost county above the $806,500 baseline). Refinances above that are jumbo loans.
- How fast do I break even in Plymouth County?
- Divide your closing costs (about $9,525 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Plymouth County-area home?
- On an estimated $560,000 value with a $381,000 balance, that is about $179,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Plymouth County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $381,000 Plymouth County balance, that move is worth roughly $318 a month.