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Amherst Town-Northampton, MA

Cost of living in Hampshire County, MA

Part of the Amherst Town Metro Area

Estimated monthly cost
$3,051/mo
for a single person, all categories combined

Population 156,595 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,037 34%
Healthcare $480 16%
Federal tax $443 15%
Groceries $385 13%
Transport $250 8%
Energy $246 8%
State tax $155 5%
Water $55 2%

Rent in Hampshire County

Fair Market Rents by bedroom count.

Studio
$881
per month
1 bedroom
$1,037
per month
2 bedroom
$1,438
per month
3 bedroom
$1,706
per month
4 bedroom
$1,850
per month

Source: ACS 2019-2023 5-Year

Income and earnings in Hampshire County

Annual earnings figures from the Census ACS.

Household income
$86,391
per year
Individual earnings
$37,180
per year
Per capita
$45,006
per year

Source: ACS 2019-2023 5-Year.

Home values in Hampshire County

Average values reported by homeowners.

Average home value
$363,400
Annual property tax
$5,326

Source: ACS 2019-2023 5-Year

Energy costs in Hampshire 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 Hampshire County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.0%

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 Hampshire 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 Hampshire County

Commute patterns and estimated costs.

Average commute
23.5 min
Drive alone
67.2%
Public transit
2.6%
Work from home
16.5%

Source: ACS

Monthly cost estimates for Hampshire County

What it costs to live in Hampshire County each month.

Single person
$3,051
per month
  • Rent $1,037
  • Energy $246
  • Water $55
  • Groceries $385
  • Transport $250
  • Healthcare $480
  • Federal tax $443
  • State tax $155
Couple
$5,094
per month
  • Rent $1,438
  • Energy $295
  • Water $65
  • Groceries $638
  • Transport $350
  • Healthcare $864
  • Federal tax $1,084
  • State tax $360
Family
$7,562
per month
  • Rent $1,706
  • Energy $369
  • Water $75
  • Groceries $968
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,084
  • State tax $360

Frequently asked questions about Hampshire County

Common questions about cost of living, rent and salary.

What is the average rent in Hampshire County?

In Hampshire County, MA, a one-bedroom apartment averages $1,037 per month, a two-bedroom averages $1,438 per month, a three-bedroom averages $1,706 per month, according to HUD Fair Market Rent data.

What is the average salary in Hampshire County?

In Hampshire County, MA, the average household income is $86,391 per year and individual earnings for full-time workers average $37,180 per year, according to U.S. Census Bureau data.

What is the cost of living in Hampshire County?

The estimated cost of living in Hampshire County, MA is approximately $3,051 per month for a single person, $5,094 for a couple, $7,562 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hampshire County?

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

Is Hampshire County an affordable place to live?

Based on the data, a single person in Hampshire County, MA would need approximately $3,051 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $86,391 per year ($7,199 per month). Hampshire County is relatively affordable compared to the national average.

How much does healthcare cost in Hampshire County?

The ACA marketplace benchmark premium in Hampshire County, MA is approximately $480 per month for an individual. Approximately 2.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hampshire County?

The average home value in Hampshire County, MA is $363,400, with average annual property taxes of $5,326, according to U.S. Census Bureau data.

How does Hampshire County compare to other areas?

You can compare Hampshire County, MA with any other US county using our comparison tool at /compare. Hampshire County is in the Amherst Town-Northampton, 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 Hampshire 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