Three Rivers, MA Utility & Living Guide

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Tier 3 Location

Three Rivers, MA Utility & Living Guide

Living in Three Rivers, MA offers a tranquil and scenic experience with easy access to outdoor activities and a strong sense of community.

Last updated: June 26, 2026
Total Utilities$300/mo
1BR Rent$1100/mo
Sales Tax6.25%
COL Index118 (+10% above national average)
Family Score7/10
Median Home$280,000
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⚠️ Natural Hazard History — Three Rivers
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$150/mo

Eversource Energy
🔥 Gas

N/A - Electric only
💧 Water

$50/mo

Town of Palmer Water Department
🗑️ Garbage

$30/mo

Waste Management
📶 Internet

$70/mo

Combined Average Overhead $300/month

Housing Market

Rent & Property
1 Bedroom$1100/mo
2 Bedrooms$1400/mo
3 Bedrooms$2000/mo
Median Home Price$280,000
Property Tax Rate1.35%
Avg Childcare/mo$1200

The housing market in Three Rivers is relatively stable, with a mix of older and newer homes available. Rentals are scarce, and prices have been rising steadily over the past few years. Homebuyers can expect to find a range of options, from cozy cottages to larger family homes.

Cost of Living

Overall COL Index

118

US national avg = 100
vs National Avg

+10% above national average

Groceries

105

Transportation

92

Healthcare

102

Childcare/mo

$1200

Tax Rates

Tax Overview
Total Sales Tax6.25%
Property Tax Rate1.35%
<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

Family Vibe Score
7/10
Safety Index

60

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 conservative and liberal views
Business Momentum
Moderate, with key industries in healthcare, education, and tourism
Top Local Concerns
Affordability, traffic, and environmental conservation
🚌 Transit for Families

The town has limited public transportation, but sidewalks and parks are generally stroller-friendly.

🎡 Top Kid Attractions
  • 🎯
    Quabbin Reservoir
  • 🎯
    Palmer Public Library
  • 🎯
    Three Rivers Park

Best Neighborhoods for Families

The area around the town center is popular with families, offering easy access to schools, parks, and local amenities. The neighborhood surrounding the Quabbin Reservoir is also desirable, with its scenic views and outdoor recreation opportunities.

Household Budget Calculator

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

Local Briefing & Neighborhood Pulse

Live Local News

Residents are subject to town ordinances regarding zoning, noise, and waste management.

Three Rivers is experiencing a surge in remote work opportunities, driving up demand for housing and amenities. Local businesses are adapting to meet the needs of this growing demographic, with new cafes and coworking spaces opening in the area.

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📊 Three Rivers — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

☀️ Seasonal Utility Costs

Utility costs in Three Rivers tend to peak during the winter months, when heating demands are highest. In contrast, summer months see lower utility bills, as the town's mild climate reduces the need for air conditioning.

🏛️ Local Tax Details

The ZIP code 01080 has a property tax millage rate of 18.45, with no local surtaxes.

👶 Family & Stroller Friendliness

Score 6/10: while sidewalks and parks are generally well-maintained, the town's limited public transportation and lack of elevator access in some areas can make it challenging for families with strollers to get around.

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