Cost of Living in Sunderland, MA

Population 3,653 · Massachusetts · Data vintage 2023

126
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Sunderland is a smaller Massachusetts community of around 4000 residents, where median household incomes of $61,442 and housing costs ($391,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape. Unemployment has stayed elevated relative to the national figure — 8.0% as of the most recent ACS release — which shows up in household-income and poverty figures as well.

Located 25 miles north of Springfield, Sunderland falls within that metro's commuting orbit. Median home values run roughly 76% higher than Springfield's $223,000.

Cost Overview

Housing 128
Rent 123

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

About the Cost of Living in Sunderland

The median home value in Sunderland is $391,200 — 28% above the national median of $305,000. Median rent runs $1,613/month, 23% higher than the national median of $1,314/month. The median household income of $61,442/year is 18% lower than the US median of $74,580. The local unemployment rate is 8.0%, 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 59.3°F and lows of 37.2°F. Overall, Sunderland has a cost of living index of 126 versus the US average of 100, meaning it is 26% more expensive.

🏠 Housing

Median Home Value
$391,200
28% above avg
Median Rent
$1,613/mo
23% above avg
Price-to-Rent Ratio
20.2x
Favors renting
Property Tax Rate
1.2%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$1,071
1 BR
$1,191
2 BR
$1,562
3 BR
$1,882
4 BR
$2,100
Owner-occupied 40.3%
Renter-occupied 59.7%

💰 Estimated Monthly Budget

Rent median rent
$1,613
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,227/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
18.9 min
30% below avg
Gas Price
$3.145/gal
0% below avg
Work From Home
15.9%

Commute Mode

Drove alone
64.2%
Carpooled
10.5%
Public transit
8.6%
Walked
0.8%
Work from home
15.9%

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
$61,442
18% below avg
Per Capita Income
$40,222
Unemployment Rate
8.0%
66% above avg
Poverty Rate
19.1%
Labor Force Participation
69.3%

🎓 Education

Bachelor's degree+ 31.8%
Graduate degree 29.5%

👥 Demographics

Median Age 34.7
Male median age 32.5
Female median age 35.5

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High
59.3°F
Avg Low
37.2°F
Annual Precip
42.2"
10° 30° 50° 70° 90° JFMAMJJASOND High Low Precip
Month JanFebMarAprMayJunJulAugSepOctNovDec
High °F 333745597079848274625039
Low °F 141524344655605951393021
Precip" 2.712.343.383.443.244.143.763.874.294.223.373.40

Frequently Asked Questions

What is the cost of living in Sunderland, MA?

Sunderland has a cost index of 126 (100 = national average). It is 26% above the national average.

What is average rent in Sunderland, MA?

The median gross rent in Sunderland is $1,613 per month based on 2023 Census data.

What is the average home price in Sunderland?

The median home value in Sunderland is $391,200 according to 2023 Census ACS data.

What is the median income in Sunderland?

The median household income in Sunderland is $61,442 per year (2023 ACS 5-year estimates).

What is the sales tax in Sunderland, MA?

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

Is Sunderland, MA affordable?

Sunderland is above average in cost of living, with an index of 126 — about 26% higher than the national average.

What is the weather like in Sunderland?

Sunderland has average high temperatures of 59.3°F and average lows of 37.2°F. Annual precipitation is 42.2". Data from NOAA 1991–2020 Climate Normals.

Sunderland at a Glance

Population
3,653
Median Income
$61,442
Home Value
$391,200
Median Rent
$1,613/mo
Unemployment
8.0%
Avg High Temp
59.3°F
Sales Tax
6.3%
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