First-time buyer programs
MassHousing sets its own income and price limits for Barnstable County. We check them with you before you shop.
MassHousing home loansProvincetown occupies the curled tip of Cape Cod, bordered on land only by Truro and surrounded by Provincetown Harbor, Cape Cod Bay and the Atlantic Ocean. It was organized as the Precinct of Cape Cod in 1714 and incorporated as a town in 1727. About 73% of its land, roughly 4,500 acres, lies within the Cape Cod National Seashore, and U.S. Route 6 ends here, at the far end of the Cape.
Provincetown uses a single ZIP code, 02657, for the whole town.
| Area | Zip code | Where it is |
|---|---|---|
| Provincetown center | 02657 | Along Commercial Street near MacMillan Pier and Town Hall. |
Start with Pilgrim Monument and Provincetown Museum and MacMillan Pier, then 2 more below.
A 252-foot granite tower, the tallest all-granite structure in the United States, commemorating the 1620 Mayflower landing and Mayflower Compact. Visitors can climb interior ramps to the top, and a museum at the base covers Provincetown's maritime history.
1 High Pole Hill Rd, Provincetown, MA
The town's historic working waterfront, home to the fishing fleet and departure point for whale-watching boats and seasonal ferries to Boston and Plymouth.
Commercial St, Provincetown, MA
The town's main business and gallery district, running along the harborfront with shops, restaurants and historic architecture.
Commercial St, Provincetown, MA
A Cape Cod National Seashore beach on the Atlantic side of the tip, known for open dunes, surfcasting and whale sightings from shore.
Race Point Rd, Provincetown, MA
Provincetown was organized as the Precinct of Cape Cod in 1714 and incorporated as its own town in 1727.
The Mayflower first anchored in Provincetown Harbor in November 1620, where its passengers signed the Mayflower Compact before later moving on to Plymouth.
The Pilgrim Monument, the tallest all-granite structure in the United States, was built between 1907 and 1910 to commemorate that landing.
Provincetown sits almost entirely surrounded by water and National Seashore land, with Atlantic-facing dune beaches on one side and the calmer harbor on the other.
Provincetown's center along Commercial Street is compact and walkable, with most shops, restaurants and galleries reachable on foot from MacMillan Pier, though a car or bike is useful for reaching outer beaches and the Province Lands.
Approximate, without traffic.
The Cape Cod Regional Transit Authority's FLEX bus route ends in Provincetown, connecting to Truro, Wellfleet, Eastham, Orleans and Harwich. Provincetown Municipal Airport offers scheduled flights to Boston, and seasonal passenger ferries run from MacMillan Pier to Boston and Plymouth. There is no train station; the seasonal CapeFLYER from Boston ends at Hyannis, about 45 miles away.
Provincetown's FY2026 residential tax rate is $6.13 per $1,000 of assessed value. Commercial, industrial and personal property pay $5.69. Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $613 a year. The average single-family tax bill was $11,185, on an average assessed value of $1,824,604.
$6.13per $1,000, residential
Source: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
| Fiscal year | Residential rate |
|---|---|
| FY2022 | $6.66 |
| FY2023 | $5.98 |
| FY2024 | $5.58 |
| FY2025 | $5.60 |
| FY2026 | $6.13 |
What we check on a Provincetown purchase: MassHousing limits, the flood map, the smoke certificate, sewer expansion, national seashore.
MassHousing sets its own income and price limits for Barnstable County. We check them with you before you shop.
MassHousing home loansBecause Provincetown is nearly surrounded by water, low-lying land near Provincetown Harbor and along the outer Atlantic and bay beaches falls within FEMA-mapped flood zones. We check FEMA's map before you offer.
FEMA's flood map for ProvincetownMassachusetts requires the seller to get a smoke and carbon monoxide certificate from the Provincetown Fire Department before the sale closes. Call 508-487-7023 to schedule.
Provincetown Fire Department pageProvincetown has been extending municipal sewer to more of the town in recent years, but some properties still rely on private septic systems requiring a Title 5 inspection before sale. Buyers should confirm which system serves a specific property.
About 73% of Provincetown's land area is within the Cape Cod National Seashore, which limits development on much of the outer town. Buyers should check with the town and National Park Service before planning any exterior changes near Seashore land.
All loans are subject to credit approval, underwriting, and property and program requirements. MassHousing limits and eligibility are set by MassHousing and change from time to time.
We're licensed in Massachusetts. Send us a Provincetown address and we'll run the numbers, taxes included.
Who to call in Provincetown: Eversource, with Cape Light Compact administering energy-efficiency programs for power.
Provincetown Town Hall is at 260 Commercial St, Provincetown, MA 02657. Main line: 508-487-7000.
Provincetown's FY2026 residential tax rate is $6.13 per $1,000 of assessed value. Commercial, industrial and personal property pay $5.69. Massachusetts fiscal years run July 1 to June 30.
Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $2,452 a year at $6.13 per $1,000. The bill uses the assessor's value, not the sale price.
Yes. Homes pay $6.13 per $1,000 and commercial, industrial and personal property pay $5.69.
The average single-family tax bill in Provincetown was $11,185 for FY2026, on an average assessed value of $1,824,604.
Provincetown is in Barnstable County, at the tip of Cape Cod.
Provincetown uses a single ZIP code, 02657, for the whole town.
No; residents bring trash and recycling to the town Transfer Station.
Eversource is the electric utility, with Cape Light Compact running local energy-efficiency programs.
Seasonal ferries run from Boston and Plymouth to MacMillan Pier, Provincetown Municipal Airport has scheduled flights to Boston, and the FLEX bus connects to other outer Cape towns.
About 116 miles by road, or roughly 90 minutes by seasonal high-speed ferry.
Neighbors of Provincetown, including across the Connecticut line where it applies. All Massachusetts town guides.