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Topsfield, MA Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
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 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
146
+20% above national average
108
94
102
$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
60
8/10
$1200/mo
City Pulse
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.
- Topsfield Fairgrounds
- Ipswich River Wildlife Sanctuary
- Bradley Palmer State Park
Best Neighborhoods for Families
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
- 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
Find Another City Guide
Search by city name or ZIP code to find utility costs, housing data and cost of living guides.
📊 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.
🏛️ Local Tax Details
The ZIP code 01983 has a property tax rate of 1.23%, with no local surtaxes. However, there is a 0.75% local option meals tax.
👶 Family & Stroller Friendliness
6/10, due to limited sidewalks and bike lanes, but with some stroller-friendly areas like the town center and parks
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