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Ludlow, MA Utility & Living Guide

Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.

Last updated: June 26, 2026

Total Utilities$370/mo

1BR Rent$1100/mo

Sales Tax6.25%

COL Index118 (+18% above national average)

Family Score7/10

Median Home$280,000

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⚠️ Natural Hazard History — Ludlow

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$140/mo

Eversource Energy

🔥 Gas

$80/mo

Columbia Gas of Massachusetts

💧 Water

$50/mo

Ludlow Water Department

🗑️ Garbage

$30/mo

Republic Services

📶 Internet

$70/mo

Combined Average Overhead$370/month

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

Overall COL Index

118

US national avg = 100

vs National Avg

+18% above national average

Groceries

105

Transportation

Healthcare

102

Childcare/mo

$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

Family Vibe Score

7/10

Safety Index

Higher = safer

School Rating

7.2/10

GreatSchools avg

Avg Childcare

$1200/mo

City Pulse

Population Trend

+2% (growing)

Political Climate

Purple description, with a mix of Democratic and Republican voters

Business Momentum

Moderate, with key industries including healthcare, education, and manufacturing

Top Local Concerns

Traffic, public safety, economic development

🚌 Transit for Families

Ludlow has a limited public transportation system, but the town is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks.

🎡 Top Kid Attractions

🎯
Ludlow Community Park
🎯
Chicopee Memorial State Park
🎯
Holyoke Children's Museum

Best Neighborhoods for Families

The downtown area and surrounding neighborhoods, such as Winsor Street and East Street, are popular with families due to their proximity to schools, parks, and community amenities. The town also has some newer developments with family-friendly amenities, such as playgrounds and community pools.

Household Budget Calculator

Estimate your real monthly cost of living in Ludlow based on your household profile.

📰 Live Local News

Ludlow has regulations regarding zoning, noise ordinances, and waste management, which are enforced by the town government.

Financial Tools

Calculators

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

Planning Tools

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.