Cost of Living in Belchertown, MA

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D+
18%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
30%
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 Belchertown Massachusetts National
Cost of living118131100
Groceries108109100
Health care114116100
Housing130169100
Transportation116115100
Utilities117117100
Lifestyle & Entertainment110115100
Household Items107109100
Education & Childcare127127100
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Homes For Sale In Belchertown, MA

property for sale

2 Newton St

Belchertown, MA
property for sale

7 High Bluff Rd

Belchertown, MA
property for sale

15 High Bluff Rd

Belchertown, MA
property for sale

169 Sheffield Dr

Belchertown, MA

Cost Of Living Quick Facts

  • The cost of living in Belchertown is 10% lower than the Massachusetts average
  • The cost of living in Belchertown is 18% higher than the national average
  • Belchertown housing is 30% 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 Belchertown

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      Utilities index
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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$152,611$12,718$3,561$4,579
      Renters$43,753$3,646$1,021$1,313

      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.
      Warren, MA5631022.2%
      Springfield, MA156,85811010.1%
      Ware, MA6,14711010.3%
      Chicopee, MA56,65811111.4%
      Holyoke, MA41,43911110.8%
      Belchertown, MA3,14711818.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Mont-Saint-Grégoire, QC3,146n/a 
      Hillsburg-Roblin-Shell River, MB3,146n/a 
      Big Sky, MT3,14814241.8%
      North Shore, VA3,14814039.6%
      Algoma, WI3,1488812.3%
      Belchertown, MA3,14711818.4%
      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.
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