Cost of Living in Oak Bluffs, MA
Population 5,370 · Massachusetts · Data vintage 2023
(100 = US avg)
Home prices in Oak Bluffs run well above the national baseline, with a median of $893,000, though local incomes keep the cost-to-earnings ratio tighter than in coastal metros with comparable sticker prices. Median household earnings of $117,927 place the city among the better-paid Massachusetts metros. At 12.4%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Located 25 miles southeast of New Bedford, Oak Bluffs falls within that metro's commuting orbit. Median home values run roughly 175% higher than New Bedford's $324,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Oak Bluffs
The median home value in Oak Bluffs is $893,000 — 193% above the national median of $305,000. The median household income of $117,927/year is 58% higher than the US median of $74,580. The local unemployment rate is 12.4%, above 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 40.2°F. Overall, Oak Bluffs has a cost of living index of 293 versus the US average of 100, meaning it is 193% more expensive.
Oak Bluffs has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 39 | 41 | 47 | 57 | 67 | 76 | 83 | 81 | 74 | 64 | 54 | 44 |
| Low °F | 21 | 22 | 28 | 36 | 46 | 55 | 62 | 60 | 52 | 42 | 33 | 26 |
| Precip" | 3.72 | 3.04 | 4.82 | 4.01 | 3.29 | 3.61 | 3.04 | 3.83 | 3.64 | 4.56 | 4.26 | 4.12 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Oak Bluffs, MA?
Oak Bluffs has a cost index of 293 (100 = national average). It is 193% above the national average.
What is the average home price in Oak Bluffs?
The median home value in Oak Bluffs is $893,000 according to 2023 Census ACS data.
What is the median income in Oak Bluffs?
The median household income in Oak Bluffs is $117,927 per year (2023 ACS 5-year estimates).
What is the sales tax in Oak Bluffs, MA?
The combined state and local sales tax rate in Oak Bluffs is 6.3%. The Massachusetts state income tax top rate is 9.0%.
Is Oak Bluffs, MA affordable?
Oak Bluffs is above average in cost of living, with an index of 293 — about 193% higher than the national average.
What is the weather like in Oak Bluffs?
Oak Bluffs has average high temperatures of 60.6°F and average lows of 40.2°F. Annual precipitation is 45.9". Data from NOAA 1991–2020 Climate Normals.
Oak Bluffs at a Glance
- Population
- 5,370
- Median Income
- $117,927
- Home Value
- $893,000
- Unemployment
- 12.4%
- Avg High Temp
- 60.6°F
- Sales Tax
- 6.3%
Nearby Cities
Explore county-level cost of living data
Massachusetts Rankings
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Cities in other states with comparable housing costs