Cost of Living in Topsfield, MA

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F
57%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
160%
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 Topsfield Massachusetts National
Cost of living157131100
Groceries109109100
Health care113116100
Housing260169100
Transportation112115100
Utilities116117100
Lifestyle & Entertainment112115100
Household Items110109100
Education & Childcare125127100
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Homes For Sale In Topsfield, MA

property for sale

77 High St

Topsfield, MA
property for sale

10 Glen Rd

Topsfield, MA
property for sale

19 Pheasant Ln

Topsfield, MA
property for sale

61 Great Hill Dr #61

Topsfield, MA

Cost Of Living Quick Facts

  • The cost of living in Topsfield is 20% higher than the Massachusetts average
  • The cost of living in Topsfield is 57% higher than the national average
  • Topsfield housing is 160% 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 Topsfield

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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$218,137$18,178$5,090$6,545
      Renters$25,779$2,148$601$773

      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.
      Lawrence, MA82,02512525.4%
      Haverhill, MA65,50012828.3%
      Amesbury Town, MA17,91613130.9%
      Methuen Town, MA51,59013130.9%
      Lynn, MA97,23513434.4%
      Topsfield, MA3,15815757.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lula, GA3,157955.4%
      Holiday Shores, IL3,157990.6%
      High Bridge, WA3,15716362.9%
      Columbus, KS3,1597822.5%
      Dawsonville, GA3,1561011.2%
      Topsfield, MA3,15815757.2%
      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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