Massachusetts · Census, HUD and BEA figures · Updated

Cost of Living in Barnstable Town, MA

Prices around Barnstable Town, MA run 1.6% below the U.S. average (BEA, the metro area). The typical household there earns $91,982 a year, and HUD puts a two-bedroom at $2,422 a month. Keeping that rent under 30% of income takes about $96,880 a year.

Barnstable Town, MA at a glance

Median household income

$91,982$7,665 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$2,422HUD FY2026 Fair Market Rent
Price level (U.S. = 100)98.4-1.6% · BEA, the metro area
Electricity29.6¢per kWh · EIA Residential MA
Population49,568Census ACS 5-year estimate

How much rent can you afford in Barnstable Town, MA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Moderate cost burden (30–50%)
HUD Fair Market Rent$2,422Monthly market rent
Share of gross income31.6%Recommended max: 30%
Annual income needed$96,880To meet the 30% standard
Max affordable rent$2,300At 30% of $91,982
0%30% (Affordability standard)100%
Compare against:

How much is rent in Barnstable Town, MA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Barnstable Town, MA MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Barnstable Town, MA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,834$22,008$73,36023.9%
1-Bedroom Apartment$1,846$22,152$73,84024.1%
2-Bedroom ApartmentBenchmark$2,422$29,064$96,88031.6%
3-Bedroom Home$2,985$35,820$119,40038.9%
4-Bedroom Home$3,428$41,136$137,12044.7%

Rent in Barnstable Town, MA, with the wage each unit needs →

What a typical income covers in Barnstable Town, MA

The 50/30/20 rule applied to the local median of $91,982 a year ($7,665 a month before tax).

Needs (50%)$3,833/moRent ($2,422 2-BR), utilities (~$266/mo), groceries, transit
Wants (30%)$2,300/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,533/moEmergency fund, retirement, paying down loans

What $91,982 leaves after Massachusetts taxes

Federal income tax, Social Security, Medicare and Massachusetts tax on the local median income. Change the salary to see yours.

$91,982
$35,000$185,000
Filing status:
Gross salary breakdown$91,982
Net 75%
Fed 12%
MA 5%
FICA 8%
Annual take-home$69,260After all taxes
Monthly deposit$5,772Estimated per month
Biweekly paycheck$2,664Every 2 weeks (26/yr)
Effective tax rate24.7%Total tax burden
Federal income tax$11,406 / yr
Massachusetts state income tax$4,279 / yr
FICA (Social Security & Medicare)$7,037 / yr

Living in Barnstable Town, MA: common questions

What is the median household income in Barnstable Town, MA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Barnstable Town, MA is $91,982 per year (approximately $7,665 per month).

What is the average rent in Barnstable Town, MA?

The closest official figure is HUD's Fair Market Rent for 2026: $1,834 for a studio, $1,846 for one bedroom, $2,422 for two, $2,985 for three and $3,428 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Barnstable Town, MA expensive to live in?

Prices there run 1.6% below the U.S. average. BEA's regional price parity for the metro area is 98.4, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Barnstable Town, MA?

To keep a $2,422 two-bedroom under 30% of gross income, a household needs about $96,880 a year, or $8,073 a month. That is 105% of what the typical household in Barnstable Town, MA earns.

How much do you need to live comfortably in Barnstable Town, MA?

On the local median income of $91,982 ($7,665 a month before tax), the 50/30/20 rule leaves $3,833 a month for needs like rent, utilities and groceries, $2,300 for everything else and $1,533 for savings or debt. A two-bedroom at $2,422 takes 63% of the needs share.

How much is the electric bill in Barnstable Town, MA?

Homes in Massachusetts paid 29.6¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $266. Your bill depends mostly on heating and cooling.