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Cummington, 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$300/mo

1BR Rent$1100/mo

Sales Tax6.25%

COL Index110 (+10% above national average)

Family Score7/10

Median Home$340,000

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$150/mo

Eversource Energy

🔥 Gas

—

N/A - Electric only

💧 Water

$50/mo

Cummington Water Department

🗑️ Garbage

$30/mo

Waste Management

📶 Internet

$70/mo

Combined Average Overhead$300/month

Housing Market

Rent & Property
1 Bedroom	$1100/mo
2 Bedrooms	$1400/mo
3 Bedrooms	$2000/mo
Median Home Price	$340,000
Property Tax Rate	1.25%
Avg Childcare/mo	$1200

The housing market in Cummington is characterized by a mix of historic homes, farmhouses, and modern constructions, with a moderate supply of rentals and a strong demand for single-family homes. The town’s rural setting and limited inventory can drive up prices, but the quality of life and natural beauty make it an attractive choice for many. As a result, home prices have been steadily increasing over the past few years.

Cost of Living

Overall COL Index

110

US national avg = 100

vs National Avg

+10% above national average

Groceries

105

Transportation

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 + 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

7/10

Safety Index

Higher = safer

School Rating

7.2/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple description, with a mix of conservative and liberal views

Business Momentum

Moderate, with key industries in tourism, agriculture, and small manufacturing

Top Local Concerns

Preserving rural character, managing growth, protecting natural resources

🚌 Transit for Families

Cummington has limited public transportation, but the town's compact center and scenic sidewalks make it relatively stroller-friendly, with some areas having accessible ramps and elevators.

🎡 Top Kid Attractions

🎯
Cummington Library
🎯
Berkshire East Ski Resort
🎯
Hawley Bog Preserve

Best Neighborhoods for Families

The town center and surrounding rural areas offer a mix of historic homes, modern constructions, and scenic landscapes, making them attractive for families. The nearby Berkshire Mountains provide ample opportunities for outdoor recreation and exploration. Neighborhoods like West Cummington and Cummington Center are particularly popular for their charm and accessibility.

Household Budget Calculator

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

📰 Live Local News

Cummington has zoning regulations to preserve its rural character, and residents are subject to Massachusetts state laws and regulations.

Financial Tools

Calculators

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Planning Tools

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📊 Cummington — Census & Demographic Data

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

☀️ Seasonal Utility Costs

Utility costs in Cummington fluctuate significantly with the seasons, with higher electricity and fuel oil costs during the winter months due to heating needs, and increased water usage during the summer. As a result, residents can expect to pay more for utilities during the winter and less during the summer.

🏛️ Local Tax Details

The ZIP code 01026 has a property tax millage rate of 12.5, with no local surtaxes, and is subject to Hampshire County tax rates.

👶 Family & Stroller Friendliness

Score 6/10: Cummington's sidewalks and parks are generally well-maintained, but some areas lack accessible ramps and elevators, and the town's rural setting can make it difficult to navigate without a car.

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