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Hardwick, MA Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$140/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 | $280,000 |
| Property Tax Rate | 1.25% |
| Avg Childcare/mo | $1200 |
The housing market in Hardwick is characterized by a mix of old and new homes, with many properties featuring large yards and scenic views. Rentals are relatively affordable, but may be limited in availability. Home prices have been steadily increasing in recent years.
Cost of Living
108
+8% 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
55
7.2/10
$1200/mo
City Pulse
Hardwick has limited public transportation options, but its rural roads are generally stroller-friendly and safe for walking.
- Hardwick Lake
- Ware River
- Quabbin Reservoir
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Hardwick based on your household profile.
📰 Live Local News
Hardwick has regulations in place to preserve its rural character, including zoning restrictions and environmental protections.
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
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📊 Hardwick — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Hardwick tend to be higher in the winter months due to heating needs, with average electric bills increasing by 20-30% from December to February. In contrast, summer months see lower utility bills, with a focus on electricity for cooling and water usage for outdoor activities.
🏛️ Local Tax Details
The ZIP code 01037 has a property tax millage rate of 18.50, with no local surtaxes.
👶 Family & Stroller Friendliness
Score 6/10: Hardwick's rural roads and sidewalks are generally safe and accessible for strollers, but may lack amenities like elevators and public restrooms, and have limited public transportation options.
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