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Cummington, MA Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$150/mo
—
$50/mo
$30/mo
$70/mo
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
110
+10% above national average
105
95
102
$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
60
7.2/10
$1200/mo
City Pulse
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.
- Cummington Library
- Berkshire East Ski Resort
- Hawley Bog Preserve
Best Neighborhoods for Families
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
- 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.
📊 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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