Cost of Living in Bellingham, MA

With a cost of living index of 131, Bellingham, MA is a notably expensive place to live. Living here is 31% more expensive than the national average and in line with the Massachusetts state average. Bellingham is a small community of 4,939 residents.

Housing costs are the biggest factor in Bellingham's cost of living. The median monthly rent is $1,995 (51% above the US median of $1,319), and the median home value sits at $385,300 (26% above the national median of $304,900). At current prices, the median home costs roughly 4.3x the median household income — a moderately affordable ratio by today's standards.

The median household income in Bellingham is $88,731, which is 18% higher than the national median of $75,149. Residents spend roughly 27% of household income on rent. This is near the 30% threshold that financial experts generally consider the upper limit of affordability. While incomes are above average, they do not fully offset the higher cost of living.

Climate is another factor for anyone considering a move to Bellingham. The area sees an average annual temperature of 52°F, with summers averaging 72°F and winters around 32°F. Annual rainfall totals 43.9 inches spread over roughly 135 days.

Everyday prices in the Boston-Cambridge-Newton, MA-NH (Metropolitan Statistical Area) metro area tend to run above the national average. Out of 6 common grocery and utility items tracked by the Bureau of Labor Statistics, 6 are priced higher than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.