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Ipswich, MA Utility & Living Guide
Ipswich is a coastal town in Essex County, Massachusetts, United States. The population was 13,785 at the 2020 census. It contains the census-designated place of the same name. Home to Willowdale State Forest and Sandy Point State Reservation, Ipswich includes the southern part of Plum Island. A res
Monthly Utility Costs
$150/mo
$80/mo
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1400/mo |
| 2 Bedrooms | $1800/mo |
| 3 Bedrooms | $2400/mo |
| Median Home Price | $430,000 |
| Property Tax Rate | 1.23% |
| Avg Childcare/mo | $1200 |
The housing market in Ipswich is competitive, with a mix of historic homes and new constructions. The town has a strong sense of community, with many residents actively involved in local preservation efforts. Home prices have been steadily increasing in recent years.
Cost of Living
118
+18% above national average
105
102
103
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.23% |
| <p>State 6.25% + 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
60
8/10
$1200/mo
City Pulse
Ipswich has a relatively walkable downtown area, but public transit options are limited, making it challenging for families with strollers to get around without a car.
- Ipswich Riverwalk
- Crane Beach
- Ipswich Museum
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Ipswich based on your household profile.
📰 Live Local News
Ipswich has regulations in place to preserve its historic district and protect the environment, including restrictions on new development and waste management.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Ipswich — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Ipswich fluctuate significantly by season, with higher electricity bills in the summer due to air conditioning and higher gas bills in the winter for 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 01938 has a property tax millage rate of 12.34, with no local surtaxes.
👶 Family & Stroller Friendliness
6/10, with explanation: Ipswich has some sidewalks and parks, but they can be uneven and limited, making it challenging for strollers. However, the town is relatively small and walkable, with some family-friendly infrastructure, such as the Ipswich Riverwalk.
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