Cost of Living in North Amherst, MA

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F
35%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
85%
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 North Amherst Massachusetts National
Cost of living135131100
Groceries108109100
Health care114116100
Housing185169100
Transportation116115100
Utilities117117100
Lifestyle & Entertainment110115100
Household Items107109100
Education & Childcare127127100
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Homes For Sale In North Amherst, MA

property for sale

208 Pine St #53

Amherst, MA
property for sale

185 Cherry Ln

Amherst, MA
property for sale

Lot A Kingman Rd

Amherst, MA

Cost Of Living Quick Facts

  • The cost of living in North Amherst is 3% higher than the Massachusetts average
  • The cost of living in North Amherst is 35% higher than the national average
  • North Amherst housing is 85% 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 North Amherst

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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$191,422$15,952$4,466$5,743
      Renters$39,656$3,305$925$1,190
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in North Amherst, 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 North Amherst homeowners, is $191,422. This would allow for a maximum of $4,466 per month to be spent on housing costs. For renters, the median monthly income is $39,656 which would result in a maximum of $925 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.
      Orange, MA3,9661055.1%
      Greenfield Town, MA18,0761098.6%
      Millers Falls, MA1,1921098.7%
      Ware, MA6,14711010.3%
      Holyoke, MA41,43911110.8%
      North Amherst, MA7,53413535.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Gorham, ME7,53611817.8%
      Globe, AZ7,530964.5%
      Pleasantville, NY7,52917978.7%
      Oak Grove, KY7,5249010.2%
      New Cumberland, PA7,524982.3%
      North Amherst, MA7,53413535.0%
      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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