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Spencer, MA Utility & Living Guide
Living in Spencer, MA offers a charming small-town experience with easy access to outdoor recreation and a strong sense of community.
Monthly Utility Costs
$130/mo
—
$40/mo
$30/mo
$60/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 | 1.23% |
| Avg Childcare/mo | $1200 |
The housing market in Spencer is relatively stable, with a mix of older and newer homes available. The town has seen some new construction in recent years, but prices remain competitive. Rentals are also available, but may be limited in certain areas.
Cost of Living
108
+8% above national average
105
96
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.23% |
| <p>State 6.25% + No County tax + No City tax</p> | |
Massachusetts has a flat state income tax rate of 5.2%, with some deductions and exemptions available.
Family & Relocation
55
7.2/10
$1200/mo
City Pulse
Spencer has a limited public transportation system, but the town is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks.
- Spencer State Forest
- Wells State Park
- and the Spencer Public Library
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Spencer based on your household profile.
📰 Live Local News
Spencer has regulations regarding zoning, building permits, and waste management, which are enforced by the town’s departments.
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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📊 Spencer — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Spencer tend to be higher in the winter due to heating needs, with average monthly electric bills increasing by 20-30% from December to February. In the summer, costs are relatively stable, with some increase in water usage due to lawn care and outdoor activities.
🏛️ Local Tax Details
The ZIP code 01562 has a property tax millage rate of 23.45, with no local surtaxes specific to Spencer or Worcester County.
👶 Family & Stroller Friendliness
6/10, with explanation: Spencer has some stroller-friendly sidewalks and parks, but the town's infrastructure is not entirely geared towards families with young children, with some areas lacking elevator access or having limited public transportation options.
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