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Harvard, MA Utility & Living Guide
Living in Harvard, MA offers a unique blend of rural charm and access to urban amenities, making it an attractive option for those looking for a quiet, small-town feel.
Monthly Utility Costs
$140/mo
—
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1500/mo |
| 2 Bedrooms | $2000/mo |
| 3 Bedrooms | $2800/mo |
| Median Home Price | $430,000 |
| Property Tax Rate | 1.23% |
| Avg Childcare/mo | $1200 |
The housing market in Harvard is competitive, with a mix of historic homes and new constructions. The town has a strong sense of community, with many residents actively involved in local affairs. Home prices have been steadily increasing in recent years, making it a challenging market for first-time buyers.
Cost of Living
118
+18% above national average
105
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</p> | |
Massachusetts has a flat state income tax rate of 5.2%, with no local income taxes.
Family & Relocation
40
8.5/10
$1200/mo
City Pulse
Harvard has a limited public transportation system, but the town is relatively small and walkable, making it accessible for families with strollers.
- Harvard Public Library
- Fruitlands Museum
- Walden Pond
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Harvard based on your household profile.
Local Briefing & Neighborhood Pulse
Live Local News
Harvard has strict zoning laws and environmental regulations to preserve its rural character and natural resources.
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
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📊 Harvard — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Harvard tend to fluctuate with the seasons, with higher electricity bills in the summer due to air conditioning and higher heating oil bills in the winter. However, the town's mild climate means that extreme temperature fluctuations are rare, keeping overall utility costs relatively stable.
🏛️ Local Tax Details
The ZIP code 01451 has a property tax millage rate of 1.23, with no local surtaxes.
👶 Family & Stroller Friendliness
8/10, with wide sidewalks, accessible parks, and a relatively flat terrain, making it easy to navigate with a stroller, although some areas may have limited elevator access in older buildings.
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