Cost of Living in Hadley, MA

Population 5,299 · Massachusetts · Data vintage 2023

140
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Hadley is a smaller Massachusetts community of around 5000 residents, where median household incomes of $117,580 and housing costs ($453,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape.

Hadley sits roughly 15 miles north of Springfield — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 104% higher than Springfield's $223,000.

Cost Overview

Housing 149
Rent 128

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Hadley

The median home value in Hadley is $453,300 — 49% above the national median of $305,000. Median rent runs $1,682/month, 28% higher than the national median of $1,314/month. The median household income of $117,580/year is 58% higher than the US median of $74,580. The local unemployment rate is 3.5%, below the national average of 4.8%. Massachusetts's top state income tax rate is 9.0% and the combined sales tax is 6.3%. The climate averages highs of 60.6°F and lows of 38.1°F. Overall, Hadley has a cost of living index of 140 versus the US average of 100, meaning it is 40% more expensive.

🏠 Housing

Median Home Value
$453,300
49% above avg
Median Rent
$1,682/mo
28% above avg
Price-to-Rent Ratio
22.5x
Favors renting
Property Tax Rate
1.2%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$1,044
1 BR
$1,205
2 BR
$1,496
3 BR
$1,823
4 BR
$2,037
Owner-occupied 74.3%
Renter-occupied 25.7%

💰 Estimated Monthly Budget

Rent median rent
$1,682
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,296/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
21.3 min
21% below avg
Gas Price
$3.145/gal
0% below avg
Work From Home
16.5%

Commute Mode

Drove alone
72.7%
Carpooled
3.0%
Public transit
3.7%
Walked
1.4%
Bicycle
1.0%
Work from home
16.5%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax 9.0%
Total Sales Tax 6.3%
State rate 6.3%
Avg local rate 0.0%
Property Tax 1.2%

💼 Income & Employment

Median Household Income
$117,580
58% above avg
Per Capita Income
$60,820
Unemployment Rate
3.5%
26% below avg
Poverty Rate
3.1%
Labor Force Participation
54.2%

🎓 Education

Bachelor's degree+ 37.2%
Graduate degree 25.9%

👥 Demographics

Median Age 47.5
Male median age 39
Female median age 52

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High
60.6°F
Avg Low
38.1°F
Annual Precip
45.2"
10° 30° 50° 70° 90° JFMAMJJASOND High Low Precip
Month JanFebMarAprMayJunJulAugSepOctNovDec
High °F 353847607280858375635140
Low °F 161726354655615951393022
Precip" 2.752.603.434.063.714.374.153.724.604.723.473.58

Frequently Asked Questions

What is the cost of living in Hadley, MA?

Hadley has a cost index of 140 (100 = national average). It is 40% above the national average.

What is average rent in Hadley, MA?

The median gross rent in Hadley is $1,682 per month based on 2023 Census data.

What is the average home price in Hadley?

The median home value in Hadley is $453,300 according to 2023 Census ACS data.

What is the median income in Hadley?

The median household income in Hadley is $117,580 per year (2023 ACS 5-year estimates).

What is the sales tax in Hadley, MA?

The combined state and local sales tax rate in Hadley is 6.3%. The Massachusetts state income tax top rate is 9.0%.

Is Hadley, MA affordable?

Hadley is above average in cost of living, with an index of 140 — about 40% higher than the national average.

What is the weather like in Hadley?

Hadley has average high temperatures of 60.6°F and average lows of 38.1°F. Annual precipitation is 45.2". Data from NOAA 1991–2020 Climate Normals.

Hadley at a Glance

Population
5,299
Median Income
$117,580
Home Value
$453,300
Median Rent
$1,682/mo
Unemployment
3.5%
Avg High Temp
60.6°F
Sales Tax
6.3%
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Explore county-level cost of living data

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