North Chatham, MA Cost of Living & Utility Guide 2026

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North Chatham, MA Utility & Living Guide

Living in North Chatham, MA offers a unique blend of coastal charm and small-town community with easy access to Cape Cod's beautiful beaches and outdoor activities.

Last updated: September 21, 2026

Total Utilities$300/mo

1BR Rent$1400/mo

Sales Tax6.25%

COL Index110 (+10% above national average)

Family Score8/10

Median Home$420,000

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The current financial trends in North Chatham are driven by the town's strong tourism industry and growing population of remote workers. As a result, there is a high demand for housing and commercial space, leading to increased investment in local infrastructure and amenities.

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🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$150/mo

Eversource Energy

🔥 Gas

—

N/A - Electric only

💧 Water

$50/mo

Chatham Water Department

🗑️ Garbage

$30/mo

Chatham Department of Public Works

📶 Internet

$70/mo

Combined Average Overhead$300/month

Housing Market

Rent & Property
1 Bedroom	$1400/mo
2 Bedrooms	$1800/mo
3 Bedrooms	$2400/mo
Median Home Price	$420,000
Property Tax Rate	1.15%
Avg Childcare/mo	$1200

The housing market in North Chatham is highly competitive, with a limited supply of homes for sale. Prices tend to be higher than in other parts of the state, reflecting the town’s desirable location and high quality of life. Rental properties are also in high demand, particularly during the summer months.

Cost of Living

Overall COL Index

110

US national avg = 100

vs National Avg

+10% above national average

Groceries

105

Transportation

100

Healthcare

102

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax	6.25%
Property Tax Rate	1.15%
<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

Higher = safer

School Rating

7.5/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple description, with a mix of conservative and liberal voters

Business Momentum

High, with key industries including tourism, healthcare, and technology

Top Local Concerns

Traffic and parking, affordable housing, environmental protection

🚌 Transit for Families

The town's public transit system is limited, but the Cape Cod Regional Transit Authority provides bus service to nearby towns and cities. Sidewalks and bike paths are also available in some areas, making it possible to get around without a car.

🎡 Top Kid Attractions

🎯
Cape Cod Children's Museum
🎯
Whydah Pirate Museum
🎯
Chatham Lighthouse

Best Neighborhoods for Families

The best neighborhoods for families in North Chatham include the town center, with its shops and restaurants, and the areas surrounding the local schools. These neighborhoods offer a mix of historic homes and newer construction, with easy access to parks and outdoor spaces.

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

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North Chatham has strict zoning regulations and environmental protections in place to preserve the town’s natural beauty and character.

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📊 North Chatham — Census & Demographic Data

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

☀️ Seasonal Utility Costs

Utility costs in North Chatham tend to be higher in the summer months, when air conditioning is needed to cool homes and businesses. In the winter, heating costs are lower than in other parts of the state, due to the town's mild coastal climate.

🏛️ Local Tax Details

The ZIP code 02650 has a property tax millage rate of 1.15%, with no local surtaxes. Homeowners may be eligible for exemptions or deductions, such as the Massachusetts residential exemption.

👶 Family & Stroller Friendliness

Score 7/10, with explanation: North Chatham has some sidewalks and bike paths, but they are not always well-maintained or connected. Park access is good, with several playgrounds and green spaces throughout the town. Elevator access in transit is limited, but family infrastructure such as changing tables and nursing rooms are available in some public buildings.

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