⚡ Featured Deal
Essentials for Your New Home
🛒 Shop This Deal NowAs an Amazon Associate I earn from qualifying purchases.
Harwich, 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 | $1400/mo |
| 2 Bedrooms | $1800/mo |
| 3 Bedrooms | $2400/mo |
| Median Home Price | $380,000 |
| Property Tax Rate | 1.15% |
| Avg Childcare/mo | $1200 |
The housing market in Harwich is competitive, with a mix of historic homes and new constructions. The town has a strong demand for summer rentals, which can drive up prices. However, there are still affordable options available for year-round residents.
Cost of Living
110
+10% above national average
105
100
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.15% |
| <p>State 6.25% + No County tax + No City tax</p> | |
Massachusetts has a flat state income tax rate of 5.2%
Family & Relocation
60
7.5/10
$1200/mo
City Pulse
Harwich has a limited public transportation system, but the town is relatively small and walkable, making it accessible for families with strollers.
- Cape Cod Children's Museum
- Whydah Pirate Museum
- Harwich Beach
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Harwich based on your household profile.
📰 Live Local News
Harwich has regulations in place to protect its coastal environment and historic districts, including restrictions on new development and renovations.
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.
📊 Harwich — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Harwich fluctuate significantly by season, with higher electricity bills in the summer due to air conditioning and higher heating oil bills in the winter. However, the town's mild coastal climate means that overall utility costs are relatively moderate compared to other parts of the country.
🏛️ Local Tax Details
The ZIP code 02645 has a property tax millage rate of 1.15, with no local surtaxes
👶 Family & Stroller Friendliness
Score 7/10: Harwich has good sidewalk quality and park access, but limited elevator access in transit and some areas with narrow or uneven sidewalks, making it somewhat challenging for stroller navigation.
Massachusetts Living Report — July 27, 2026
With a population just shy of seven million, Massachusetts presents a classic trade-off for anyone considering a move:...
Read more →
Massachusetts Living Report — July 26, 2026
Considering a move to Massachusetts means weighing its reputation for top-tier education and historic charm against a notoriously...
Read more →
Massachusetts Living Report — July 25, 2026
For anyone considering a move to Massachusetts, the state presents a compelling but costly proposition. Home to nearly...
Read more →
Massachusetts Living Report — July 24, 2026
With a population of just under seven million—6,984,205 to be precise—Massachusetts is one of the most densely populated...
Read more →
Get your home essentials, storage, and moving supplies delivered.
Shop Moving EssentialsAs an Amazon Associate I earn from qualifying purchases.