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Ludlow, MA Utility & Living Guide
Living in Ludlow, MA offers a charming small-town experience with easy access to major cities like Springfield and Boston.
Monthly Utility Costs
$140/mo
$80/mo
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $1900/mo |
| Median Home Price | $280,000 |
| Property Tax Rate | 1.55% |
| Avg Childcare/mo | $1200 |
The housing market in Ludlow is relatively stable, with a mix of older and newer homes available. Rentals are also available, but may be limited. The town has seen some new construction in recent years, which has helped to meet demand.
Cost of Living
118
+18% above national average
105
94
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.55% |
| <p>State 5.2% + None + Local 1.05%</p> | |
Massachusetts has a flat state income tax rate of 5.2%, with some deductions and exemptions available.
Family & Relocation
60
7.2/10
$1200/mo
City Pulse
Ludlow has a limited public transportation system, but the town is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks.
- Ludlow Community Park
- Chicopee Memorial State Park
- Holyoke Children's Museum
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Ludlow based on your household profile.
Local Briefing & Neighborhood Pulse
Live Local News
Ludlow has regulations regarding zoning, noise ordinances, and waste management, which are enforced by the town government.
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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📊 Ludlow — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Ludlow can fluctuate significantly by season, with higher costs in the winter due to heating and in the summer due to air conditioning. Residents can expect to pay around 20-30% more for utilities during these peak months.
🏛️ Local Tax Details
The ZIP code 01056 has a property tax millage rate of 18.45, with no local surtaxes.
👶 Family & Stroller Friendliness
6/10, with some stroller-friendly sidewalks and parks, but limited public transportation and some areas with poor sidewalk quality
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