F
31%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
71%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Amesbury Town Massachusetts National
Cost of living131131100
Groceries108109100
Health care116116100
Housing171169100
Transportation112115100
Utilities116117100
Lifestyle & Entertainment116115100
Household Items109109100
Education & Childcare127127100
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An Overview of Cost of Living in Amesbury Town, MA

Understanding the cost of living in Amesbury Town can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Amesbury Town cost of living index is 131, which is 31% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

If you prioritize affordability when seeking a new place to live, Amesbury Town may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Amesbury Town falls into this category, which may not align with your preferences for a budget-friendly living environment.

Housing costs are a very significant part of the Amesbury Town cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 71.1% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.

Is Amesbury Town Affordable?

Is Amesbury Town an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Amesbury Town, the median home price is 91.8% higher than what most folks pay across the country, and monthly rent prices are 22.8% higher than the usual rates. Income levels in Amesbury Town come in at $123,161, which is 51.4% higher than the national average.

What Factors can Influence the Cost of Living in Amesbury Town?

Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Amesbury Town, the transportation index is 12.1% higher than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Amesbury Town, healthcare costs are 15.5% higher than the national average.

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Where is the Data From?

The cost of living estimates displayed for Amesbury Town are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.

Cost Of Living Quick Facts

  • The cost of living in Amesbury Town is equal to the Massachusetts average
  • The cost of living in Amesbury Town is 31% higher than the national average
  • Amesbury Town housing is 71% higher than the national average
  • Massachusetts general sales tax is 22% higher than the national average
  • Massachusetts state income tax is 93% higher than the national average

Most Affordable Places to Live in and Around Amesbury Town

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Compare Amesbury Town, MA Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$167,081$13,923$3,898$5,013
      Renters$61,599$5,133$1,437$1,848
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Amesbury Town, MA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Amesbury Town homeowners, is $167,081. This would allow for a maximum of $3,898 per month to be spent on housing costs. For renters, the median monthly income is $61,599 which would result in a maximum of $1,437 to be spent on rental costs.

      Massachusetts Sales Tax

      State General Sales Tax With Max Surtax
      Massachusetts 6.25% 6.25%

      Massachusetts Income Tax

      State Income Tax (Low) Income Tax (High)
      Massachusetts 5% 9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Raymond, NH3,9231109.6%
      Exeter, NH9,64911312.8%
      Lawrence, MA82,02512525.4%
      Epping, NH3,10811818.0%
      Haverhill, MA65,50012828.3%
      Amesbury Town, MA17,91613130.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sainte-Sophie, QC17,917n/a 
      Lindenwold, NJ17,9061022.0%
      Coalinga, CA17,90211211.6%
      Godfrey, IL17,898955.4%
      Lithia Springs, GA17,936964.2%
      Amesbury Town, MA17,91613130.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.