Cost of Living in Amherst Town, MA
Cost of Living in Amherst Town, MA has an overall index of 132, 32% above the U.S. baseline of 100. The typical home value is $516,611; typical monthly rent is $1,570; and median household income is $65,938.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Home prices are the main source of pressure. This describes the local market, not your household.
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Frequently asked questions about Amherst Town
Living in Amherst Town
Is Amherst Town, MA an expensive place to live?+
Yes — Amherst Town is about 32% more expensive than the national average, with an overall Cost Index of 132. Housing is the biggest factor: the typical home here is valued around $516,611, and monthly rents average roughly $1,570. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Amherst Town fit a household housing budget?+
Start with housing. Typical monthly rent is $1,570, while local median household income is $65,938. That implies a rent-burden proxy of about 29% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Amherst Town, MA?+
Massachusetts uses a progressive model; 9% is top marginal-rate context. Applying the 1.15% state-level effective owner-occupied proxy to a home worth $516,611 gives a planning estimate near $5,941 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 6.25%.
How much does it cost to rent in Amherst Town, MA?+
The typical monthly rent in Amherst Town is around $1,570. That's about 16% higher than the $1,348 national median. For comparison, the median home value here is $516,611, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Amherst Town, MA?+
The typical home value in Amherst Town is $516,611. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $2,507/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 46% of residents here own their homes.
Are groceries and utilities expensive in Amherst Town?+
Grocery prices in Amherst Town are about average compared to the rest of the US (index: 97, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 155). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Amherst Town, MA like to live in?+
Amherst Town is a smaller city with a population of about 35,472. The median age of residents is 21.3, skewing younger — often a sign of a college town or fast-growing area. The local poverty rate is 24.11%, above the national average of 12.4%.