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Ocean Bluff, MA Utility & Living Guide

Living in Ocean Bluff, MA offers a unique blend of coastal charm and suburban convenience, with easy access to Boston and Cape Cod.

Last updated: September 18, 2026

Total Utilities$300/mo

1BR Rent$1400/mo

Sales Tax6.25%

COL Index110 (+10% above national average)

Family Score7/10

Median Home$380,000

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The current financial trends in Ocean Bluff indicate a strong demand for housing and a growing economy, driven by the town's proximity to Boston and its desirable coastal location. However, the town also faces challenges related to affordability and traffic congestion, which may impact its long-term sustainability.

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⚠️ Natural Hazard History — Ocean Bluff

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🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$150/mo

Eversource Energy

🔥 Gas

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N/A - Electric only

💧 Water

$50/mo

Town of Marshfield Water Department

🗑️ Garbage

$30/mo

Republic Services

📶 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	$380,000
Property Tax Rate	1.25%
Avg Childcare/mo	$1200

The housing market in Ocean Bluff is competitive, with a mix of older and newer homes, and a strong demand for rentals. The town has a limited inventory of affordable housing options, which can make it challenging for first-time buyers. However, the town’s scenic coastal location and good schools make it an attractive option for families.

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	1.25%
<p>State 5.2% + No County tax + Local 0% (no additional local sales tax)</p>

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

Family & Relocation

Family Vibe Score

7/10

Safety Index

Higher = safer

School Rating

7.5/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple (mixed Democratic and Republican leaning)

Business Momentum

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

Top Local Concerns

Traffic congestion, affordable housing, coastal erosion

🚌 Transit for Families

The town has a limited public transportation system, but it is relatively stroller-friendly, with sidewalks and crosswalks in good condition, and some parks and playgrounds with accessible pathways.

🎡 Top Kid Attractions

🎯
Marshfield Beach
🎯
Daniel Webster Wildlife Sanctuary
🎯
South River Park

Best Neighborhoods for Families

The neighborhoods of Ocean Bluff, Fieldston, and Marshfield Hills are popular with families, offering a mix of older and newer homes, good schools, and easy access to parks and beaches. These areas are also relatively safe and have a strong sense of community.

Household Budget Calculator

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

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Ocean Bluff has regulations in place to protect its coastal environment and preserve its historic character, including restrictions on new development and requirements for stormwater management.

Financial Tools

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📊 Ocean Bluff — Census & Demographic Data

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

☀️ Seasonal Utility Costs

Utility costs in Ocean Bluff tend to be higher in the winter months, due to the need for heating, with average electric bills increasing by 20-30% from December to February. In contrast, summer months see a decrease in utility costs, as the town's coastal location provides a moderating influence on temperatures.

🏛️ Local Tax Details

The ZIP code 02050 has a property tax millage rate of 1.25%, with no local surtaxes. However, the town does have a transfer tax on real estate sales, which can impact buyers and sellers.

👶 Family & Stroller Friendliness

Score: 8/10. Ocean Bluff has good sidewalks and crosswalks, and many parks and playgrounds have accessible pathways. However, some areas of the town have limited elevator access in transit, and the town's hilly terrain can make it challenging for strollers in some areas.

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