Cost Of Living in North Amherst, MA

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	North Amherst	Massachusetts	National
Cost of living	129	133	100
Goods & Services	108	122	100
Groceries	101	105	100
Health care	103	113	100
Housing	180	165	100
Transportation	96	118	100
Utilities	127	134	100

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Cost Of Living Quick Facts

The cost of living in North Amherst is 3% lower than the Massachusetts average
The cost of living in North Amherst is 29% higher than the national average
North Amherst housing is 80% 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

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$130,645	$10,887	$3,048	$3,920
Renters	$26,794	$2,233	$625	$804

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 $130,645. This would allow for a maximum of $3,048 per month to be spent on housing costs. For renters, the median monthly income is $26,794 which would result in a maximum of $625 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%

Goods & Services

Item	North Amherst	National avg.	Difference
Haircut	$33.78	$24.26	39.2%
Beauty Salon	$58.55	$45.56	28.5%
Toothpaste	$3.65	$3.70	1.5%
Shampoo	$1.42	$1.28	10.9%
Movie	$12.85	$12.13	5.9%
Bowling	$18.33	$18.00	1.9%

Groceries

Item	North Amherst	National avg.	Difference
Ground Beef	$6.23	$5.84	6.7%
Fried Chicken	$1.46	$1.57	7.4%
Milk	$4.73	$4.67	1.2%
Potatoes	$4.96	$4.93	0.6%
Pizza	$10.79	$12.09	10.7%
Beer	$10.49	$10.41	0.8%

Health Care

Item	North Amherst	National avg.	Difference
Optometrist	$166.22	$125.68	32.3%
Doctor	$182.50	$135.78	34.4%
Dentist	$127.00	$113.29	12.1%
Ibuprofen	$10.89	$10.65	2.2%
Lipitor	$384.88	$468.60	17.9%

Housing

Item	North Amherst	National avg.	Difference
Home Price	$370,500.00	$184,700.00	100.6%
Avg. Mortgage Payment	$2,110.08	$2,346.69	10.1%
Apartment Rent	$1,247.00	$949.00	31.4%

Transportation

Item	North Amherst	National avg.	Difference
Gasoline	$3.34	$3.46	3.4%
Tire Balancing	$71.63	$59.92	19.5%

Utilities

Item	North Amherst	National avg.	Difference
All Electricity	$302.09	$193.99	55.7%
Phone	$185.16	$192.25	3.7%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Orange, MA	3,882	109	8.8%
Millers Falls, MA	1,158	103	3.2%
Greenfield Town, MA	17,477	104	3.9%
Ware, MA	5,978	104	4.1%
Holyoke, MA	40,161	106	5.5%
North Amherst, MA	7,290	129	29.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Monessen, PA	7,287	85	14.9%
Olivarez, TX	7,293	75	24.6%
Lacombe, LA	7,294	100	0.4%
West Concord, MA	7,294	181	80.8%
Winters, CA	7,285	142	42.4%
North Amherst, MA	7,290	129	29.0%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in North Amherst, MA