Greater Boston real estate

Why Experts Say Mortgage Rates Could Ease Over the Next Year

October 10, 2025
Market Updates

Will mortgage rates drop in 2025–2026? See why experts think 30-year loans could dip below 6%—and what that could mean for buyers and sellers in Greater Boston.

Methodology

TownRatings™ is a proprietary model developed by Team Coyle to provide homebuyers and sellers with a relative assessment of a town’s key characteristics, benchmarked against other select Greater Boston towns. Ratings are based on publicly available data and Team Coyle’s on-the-ground expertise and are intended as a general guide only. They are not guarantees, objective rankings, or a substitute for independent research. Users should consult the appropriate licensed or qualified professionals and independently verify all relevant facts before making any real estate or related decision. Ratings are current as of March 31, 2026.

RATING CATEGORIES

Quality of Schools: Based on Massachusetts Department of Elementary and Secondary Education (DESE) 2024 data, with emphasis on Grade 10 MCAS English Language Arts and Mathematics proficiency rates and 4-year high school graduation rates. These measures are used as general indicators only and do not capture every aspect of school quality or student experience.
Scale: Above Average · Average · Below Average
Commute to Boston: Assesses commuting ease using travel time, distance, and in-town transit access. For towns with MBTA rail or subway service, commute times are measured to the line’s natural Boston endpoint (e.g., North Station, South Station, or Back Bay). For towns without in-town service, commute times are measured by car to Back Bay as the default reference point.
Scale: Easy · Moderate · Challenging
Shopping & Dining: Reflects the relative density and variety of retail and restaurant options within a town or in adjacent hubs.
Scale: Excellent · Good · Limited
Lifestyle: A general descriptive summary of a town’s overall character (e.g., Upscale, Rural, Historic, Suburban, Urban/Vibrant). This category is descriptive only and is not intended to suggest who should or should not live in any community.
Est. Annual Property Tax: Calculated by averaging the 2025 and 2026 median sale prices per MLSPIN and applying the town’s residential property tax rate (per $1,000 of assessed value), based on data as of March 31, 2026. This is an estimate only and is not a prediction of the taxes due on any specific property.

HOW RATINGS ARE DERIVED

Ratings are determined using a blend of publicly reported data (e.g., DESE reports, MBTA schedules, municipal tax rates, business directories), mapping and transportation tools, and qualitative insights from Team Coyle agents active in these markets.

LIMITATIONS & DISCLAIMERS

Informational only: TownRatings™ is provided for general informational and educational purposes only and is subject to change without notice.
No duty to update: Team Coyle and its agents have no obligation to update, revise, or refresh any rating, commentary, methodology, or supporting information.
No warranties: All information is provided “as is” without warranties of any kind. Team Coyle, its agents, and Compass make no representations or warranties as to accuracy, completeness, timeliness, reliability, or current availability.
No liability: Team Coyle, its agents, and Compass are not liable for any losses, damages, or costs arising from use of or reliance on TownRatings™ or related commentary.
Not advice: TownRatings™ and related commentary should not be relied upon as legal, tax, financial, investment, educational, transportation, appraisal, or other professional advice. Consult the appropriate licensed or qualified professionals before making any decision or taking any action.
Verify independently: Commute times vary by route, timing, traffic, weather, and MBTA conditions—check schedules and test commutes. School performance, assignments, offerings, and district information may change—confirm with school districts and the Massachusetts Department of Elementary & Secondary Education. Amenities, tax rates, and market conditions also change over time and should be independently verified.
Third-party content: Third-party data, tools, and source material are not controlled or endorsed by Team Coyle, and their accuracy is not guaranteed. Trademarks remain the property of their respective owners.
Broker disclosure: Compass is a licensed real estate broker and abides by Equal Housing Opportunity laws.
Fair housing: Nothing in TownRatings™ should be used to encourage or discourage housing decisions based on race, color, religion, sex, disability, familial status, national origin, or any other protected characteristic.