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Northampton, Massachusetts Retirement Guide
established retirement community
53
Retirement Score
Northampton, Massachusetts at a Glance
- Median Home Price
- $387,500
- State Income Tax
- State income tax; Social Security exempt; many public pensions exempt with partial rules for others.
- Avg January Low
- N/A
- Cost of Living Index
- 109.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 53 / 100
Retirement Data
Affordability
Cost of Living Index
109.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$387,500High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,355High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; many public pensions exempt with partial rules for others.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)
81.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
90.4 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
7.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
28,245High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
42.5High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
20.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$80,981High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
58.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
62.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
11.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
85.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
2.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
7.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Northampton using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$840
Stress-case monthly carrying cost
$943
Median home price used: $387,500
Median rent reference: $1,355 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.