Home Values in Cohasset, MA
The average home price in Cohasset, MA is approximately $1,404,000 (median), with homes trading at $585/sqft. Home values in Cohasset have appreciated at roughly 1.6% per year, reflecting a more price-sensitive market — buyers may find better negotiating leverage here.
Census estimated median home value: $1072K (ACS 2022 5-year). Current market prices typically run higher due to post-2022 appreciation.
Financing Considerations
Properties in Cohasset typically require jumbo financing with stricter underwriting, larger down payments (20–25%+), and higher reserve requirements.
Learn about loan thresholds, property condition impact, flood/wind insurance, and how vintage homes (common in many MA towns) affect mortgage approval.
✨The Vibe
Very affluent seaside village where Boston Harbor meets Massachusetts Bay. Historic town common, rocky shores, Minot's Ledge Lighthouse views, and upscale coastal living define this prestigious community.
What It's Really Like
Cohasset is where old money goes to the beach—pristine coastal village with impeccable schools, stunning views, and the kind of exclusivity that doesn't need to advertise.
Best For
- ✓High-net-worth families seeking coastal exclusivity
- ✓Those who value prestige and privacy
- ✓Families wanting excellent schools by the ocean
- ✓Luxury buyers seeking authentic New England
Avoid If
- ✗You're not ready for $1.4M+ median prices
- ✗You need quick Boston access
- ✗You want urban convenience
🌟Highlights
Insider Tips
- 💡Jerusalem Road offers most prestigious addresses
- 💡Minot's Ledge Lighthouse is iconic backdrop
- 💡Small-town feel despite wealth—everyone knows everyone
Demographics
Source: Census ACS 2023 5-year estimates
Economic Profile
Religious Community
Housing Stock Age
Moderate Insurance Risk
Median home built in 1958. Insurance premiums estimated at $2,505/year. Some older homes may require system updates (electrical, plumbing, HVAC).
Insurance Cost Calculator
Estimate your annual homeowners insurance premium
Leave blank to use town median (1958)
30-Year Mortgage Impact
Total insurance cost over 30-year mortgage (equivalent to 0.2% of home value)
Age Penalty
This home costs $1,520 more per year to insure than a newly built home. Over 30 years, that's $45,600 in additional insurance costs.
Ways to Lower Your Premium
- Bundle home + auto insurance with same carrier (10-25% discount)
- Increase deductible from $500 to $2,500 (save 15-30%)
- Install monitored security system (5-20% discount)
- Update electrical panel and remove knob-and-tube wiring
- Replace roof with impact-resistant materials (save 5-15%)
- Upgrade plumbing to PEX or copper
- Complete full home inspection and address major issues
- Consider MAPFRE or Chubb for historic home coverage
- Shop quotes from 5-6 carriers (rates vary significantly)
- Ask about claims-free discount (5-year history)
* Estimates based on Massachusetts state averages and typical underwriting criteria. Actual premiums vary by carrier, coverage limits, deductible, claims history, and credit score. For accurate quotes, contact a licensed insurance agent.
Construction Era Distribution
Resources & Research
School Information
Compare 48 high schools by SAT scores, MCAS proficiency & college enrollment
Market Analysis
Break-even math, SALT cap impacts & decision framework for Boston buyers