Franklin, MA Utility & Living Guide

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Tier 3 Location

Franklin, MA Utility & Living Guide

Living in Franklin, MA offers a unique blend of small-town charm and easy access to Boston, making it an attractive option for families and commuters alike.

Last updated: June 26, 2026
Total Utilities$370/mo
1BR Rent$1500/mo
Sales Tax6.25%
COL Index118 (+10% above national average)
Family Score8/10
Median Home$430,000
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⚠️ Natural Hazard History — Franklin
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$140/mo

National Grid
🔥 Gas

$80/mo

National Grid
💧 Water

$50/mo

Franklin Water Department
🗑️ Garbage

$30/mo

Republic Services
📶 Internet

$70/mo

Combined Average Overhead $370/month

Housing Market

Rent & Property
1 Bedroom$1500/mo
2 Bedrooms$1900/mo
3 Bedrooms$2500/mo
Median Home Price$430,000
Property Tax Rate1.23%
Avg Childcare/mo$1200

The housing market in Franklin is competitive, with a mix of older and newer homes available. The town has seen significant growth in recent years, with many new developments and renovations. As a result, prices have increased, but the town still offers a range of options for buyers and renters.

Cost of Living

Overall COL Index

118

US national avg = 100
vs National Avg

+10% above national average

Groceries

105

Transportation

92

Healthcare

102

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax6.25%
Property Tax Rate1.23%
<p>State 5.2% + No County tax + No City tax</p>

Massachusetts has a flat state income tax rate of 5.2%, with no local income taxes.

Family & Relocation

Family Vibe Score
8/10
Safety Index

60

Higher = safer
School Rating

7.5/10

GreatSchools avg
Avg Childcare

$1200/mo

City Pulse

Population Trend
+5% (growing)
Political Climate
Purple, with a mix of Democratic and Republican voters
Business Momentum
High, with key industries in healthcare, technology, and education
Top Local Concerns
Traffic, affordable housing, public transportation
🚌 Transit for Families

Franklin has a relatively walkable downtown area, with some sidewalks and crosswalks, but public transportation options are limited, making it challenging for families with strollers to get around without a car.

🎡 Top Kid Attractions
  • 🎯
    Franklin Public Library
  • 🎯
    Franklin Town Forest
  • 🎯
    Petti Nature Preserve

Best Neighborhoods for Families

The downtown area and surrounding neighborhoods, such as Oak Street and Maple Street, are popular with families due to their walkability and proximity to schools and parks. The town also has several newer developments with amenities like playgrounds and community pools.

Household Budget Calculator

Estimate your real monthly cost of living in Franklin based on your household profile.

Local Briefing & Neighborhood Pulse

Live Local News

Franklin has regulations in place to preserve its historic districts and natural resources, and residents are encouraged to recycle and conserve water.

Franklin's economy is driven by a mix of industries, including healthcare, technology, and education, with a growing number of startups and small businesses. The town is also seeing an increase in remote workers, drawn by its high quality of life and relatively low cost of living.

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📊 Franklin — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

☀️ Seasonal Utility Costs

Utility costs in Franklin fluctuate significantly by season, with higher electricity bills in the summer due to air conditioning and higher gas bills in the winter due to heating. Residents can expect to pay around 20-30% more for utilities during the peak summer and winter months.

🏛️ Local Tax Details

The ZIP code 02038 has a property tax millage rate of 18.45, with no local surtaxes.

👶 Family & Stroller Friendliness

6/10, with explanation: Franklin has some sidewalks and crosswalks, but they can be uneven and narrow in some areas, making it challenging for strollers. However, the town has several parks and playgrounds with accessible paths and amenities, and some businesses are stroller-friendly.

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