top of page


The Massachusetts Homestead law allows you to have a certain amount of protection on your home from potential creditors and/or lawsuits.


MA changed its Homestead Law, effective in March, 2011 (but existing Homesteads will carry forward under the new law).


The primary provisions of the current Homestead law are:

  • Provides $125,000 of automatic protection to any primary residence (WITHOUT having to record a Homestead at the Registry of Deeds)

  • Provides up to $500,000 protection for those who record a Homestead at the Registry of Deeds (up to $1 million for 2 owners who are both over age 62).

  • Allows Homestead protection for Trusts.  This means that you can re-title your home into Trust to avoid the probate process at death, and still get the creditor protection from the Homestead.

  • Clarifies that refinancing a mortgage will not terminate or invalidate previously filed homesteads.


The recording fee (payable to the Registry of Deeds) for a Homestead is $36.

bottom of page