Cost of Living in Bellingham, MA

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F
26%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
58%
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 Bellingham Massachusetts National
Cost of living126131100
Groceries109109100
Health care115116100
Housing158169100
Transportation114115100
Utilities118117100
Lifestyle & Entertainment111115100
Household Items108109100
Education & Childcare121127100
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Homes For Sale In Bellingham, MA

property for sale

11 Whitman Cir #11

Bellingham, MA
property for sale

1 Toni Dr

Bellingham, MA
property for sale

7 Debra LN #1

Bellingham, WA
property for sale

95 Lisa Ann Dr

Bellingham, MA

Cost Of Living Quick Facts

  • The cost of living in Bellingham is 3% lower than the Massachusetts average
  • The cost of living in Bellingham is 26% higher than the national average
  • Bellingham housing is 58% 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 Bellingham

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$135,762$11,314$3,168$4,073
      Renters$46,522$3,877$1,085$1,396
      A good indicator of the general affordability of housing in Bellingham, MA, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Bellingham, the median monthly income is $135,762 for those who own their own homes. Under the standard rule, that income level would allow for $3,168 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $46,522, per the median income in the area. That would allow for renters to spend up to $1,085 on monthly rental expenses.

      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.
      Central Falls, RI20,1751033.0%
      Woonsocket, RI42,7181054.7%
      Pawtucket, RI74,3111087.7%
      Pascoag, RI5,0741099.1%
      Harrisville, RI1,31611211.6%
      Bellingham, MA4,38312626.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      American Falls, ID4,384936.6%
      Cortland, IL4,3841011.1%
      Le Roy, NY4,381982.1%
      Grant-Valkaria, FL4,38513131.4%
      Millinocket, ME4,3858614.2%
      Bellingham, MA4,38312626.4%
      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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