Skip to main content
LiveWhere us
Greenfield, MA

Cost of living in Franklin County, MA

Estimated monthly cost
$3,107/mo
for a single person, all categories combined

Population 70,922 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $930 30%
Federal tax $517 17%
Healthcare $480 15%
Groceries $385 12%
Transport $320 10%
Energy $246 8%
State tax $174 6%
Water $55 2%

Rent in Franklin County

Fair Market Rents by bedroom count.

Studio
$720
per month
1 bedroom
$930
per month
2 bedroom
$1,304
per month
3 bedroom
$1,407
per month
4 bedroom
$1,452
per month

Source: ACS 2019-2023 5-Year

Income and earnings in Franklin County

Annual earnings figures from the Census ACS.

Household income
$72,584
per year
Individual earnings
$41,680
per year
Per capita
$41,366
per year

Source: ACS 2019-2023 5-Year.

Home values in Franklin County

Average values reported by homeowners.

Average home value
$303,400
Annual property tax
$4,595

Source: ACS 2019-2023 5-Year

Energy costs in Franklin County

Estimated monthly electricity and gas costs.

Electricity
$172
per month · 28.6¢/kWh
Natural gas
$74
per month
Annual total
$2,952
per year

Source: EIA

Healthcare in Franklin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Franklin County

State and local tax rates for Massachusetts.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
6.3%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Franklin County

Commute patterns and estimated costs.

Average commute
23.6 min
Drive alone
70.3%
Public transit
1.2%
Work from home
14.7%

Source: ACS

Monthly cost estimates for Franklin County

What it costs to live in Franklin County each month.

Single person
$3,107
per month
  • Rent $930
  • Energy $246
  • Water $55
  • Groceries $385
  • Transport $320
  • Healthcare $480
  • Federal tax $517
  • State tax $174
Couple
$4,746
per month
  • Rent $1,304
  • Energy $295
  • Water $65
  • Groceries $638
  • Transport $420
  • Healthcare $864
  • Federal tax $858
  • State tax $302
Family
$7,049
per month
  • Rent $1,407
  • Energy $369
  • Water $75
  • Groceries $968
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $858
  • State tax $302

Frequently asked questions about Franklin County

Common questions about cost of living, rent and salary.

What is the average rent in Franklin County?

In Franklin County, MA, a one-bedroom apartment averages $930 per month, a two-bedroom averages $1,304 per month, a three-bedroom averages $1,407 per month, according to HUD Fair Market Rent data.

What is the average salary in Franklin County?

In Franklin County, MA, the average household income is $72,584 per year and individual earnings for full-time workers average $41,680 per year, according to U.S. Census Bureau data.

What is the cost of living in Franklin County?

The estimated cost of living in Franklin County, MA is approximately $3,107 per month for a single person, $4,746 for a couple, $7,049 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Franklin County?

The combined sales tax rate in Franklin County, MA is 6.25%, which includes the Massachusetts state rate of 6.25% plus an average local rate of 0.00%.

Is Franklin County an affordable place to live?

Based on the data, a single person in Franklin County, MA would need approximately $3,107 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $72,584 per year ($6,049 per month). Franklin County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Franklin County?

The ACA marketplace benchmark premium in Franklin County, MA is approximately $480 per month for an individual. Approximately 2.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Franklin County?

The average home value in Franklin County, MA is $303,400, with average annual property taxes of $4,595, according to U.S. Census Bureau data.

How does Franklin County compare to other areas?

You can compare Franklin County, MA with any other US county using our comparison tool at /compare. Franklin County is in the Greenfield, MA metro area.

Other counties in Massachusetts

Browse the full list of counties in Massachusetts, ranked by cost of living.

See all counties in Massachusetts

Compare Franklin County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources