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Topsfield, MA Utility & Living Guide

Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.

Last updated: June 26, 2026

Total Utilities$380/mo

1BR Rent$1400/mo

Sales Tax6.25%

COL Index146 (+20% above national average)

Family Score8/10

Median Home$430,000

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🌤️ Live Weather — Topsfield

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⚠️ Natural Hazard History — Topsfield

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$150/mo

National Grid

🔥 Gas

$80/mo

National Grid

💧 Water

$50/mo

Topsfield Water Department

🗑️ Garbage

$30/mo

Topsfield Department of Public Works

📶 Internet

$70/mo

Combined Average Overhead$380/month

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 Topsfield is competitive, with a mix of historic homes and new construction. The town has a strong sense of community, with many families and young professionals calling it home. Inventory can be limited, so it’s essential to work with a knowledgeable real estate agent.

Cost of Living

Overall COL Index

146

US national avg = 100

vs National Avg

+20% above national average

Groceries

108

Transportation

Healthcare

102

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax	6.25%
Property Tax Rate	1.23%
<p>State 5.2% + No County tax + No City tax (but local option meals tax 0.75%)</p>

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

Family & Relocation

Family Vibe Score

8/10

Safety Index

Higher = safer

School Rating

8/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple, with a mix of Democratic and Republican voters

Business Momentum

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

Top Local Concerns

Traffic, parking, and preserving open space

🚌 Transit for Families

The MBTA commuter rail and bus services are available in Topsfield, but the town is not particularly stroller-friendly due to limited sidewalks and bike lanes.

🎡 Top Kid Attractions

🎯
Topsfield Fairgrounds
🎯
Ipswich River Wildlife Sanctuary
🎯
Bradley Palmer State Park

Best Neighborhoods for Families

The town center and surrounding neighborhoods, such as Washington Street and Main Street, offer a charming and walkable environment with shops, restaurants, and community events. The outskirts of town have more rural areas with larger homes and yards.

Household Budget Calculator

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

📰 Live Local News

Topsfield has regulations regarding zoning, historic preservation, and environmental protection.

Financial Tools

Calculators

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

Planning Tools

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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📊 Topsfield — Census & Demographic Data

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

☀️ Seasonal Utility Costs

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