Retirement Lists

Cost of Living in Falmouth, Massachusetts

The Nobska Lighthouse, Falmouth, Massachusetts, as viewed from the shore.
Photo by T.S. Custadio aka ToddC4176 at en.wikipedia via Wikimedia Commons, CC BY-SA 3.0

Falmouth costs

A Cape Cod budget needs seasonality, heating, insurance, maintenance, and travel visible

The catalog's 2024 ACS gross-rent anchors are $557 for one bedroom and $1,891 for two bedrooms, with a modeled local monthly estimate of $2,659. Add heating, utilities, insurance, roof and window work, coastal maintenance, vehicle or CCRTA costs, parking, groceries, prescriptions, care, seasonal price changes, and storm reserves.

Request recent utility history, rent or tax terms, roof and window records, flood and wind insurance, drainage, heating, internet, snow service, parking, and the cost of a typical hospital and grocery loop in both summer and winter.

Planning a monthly budget

A local monthly estimate of $2,659 gives you the starting point, with transportation taking the largest share.

Housing
$557
Utilities (in rent)
$330
Food
$603/mo
Transportation
$1,026/mo
Healthcare
$473

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$3,481

Very Good

Cost of Living for Couple
$5,321

Good

Typical 1BR Rent
$557

Excellent

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$227/mo

Excellent

Need for a Car
Optional
Property Taxes
Low

Good

Overall Feel
Good
Residents 65+ Below Poverty Level
11.2%
65+ Householder — Renter Occupied
29.5%
65+ Households With High Housing Costs
34.0%
Median Household Income, Householder 65+
$61,291

Could Falmouth fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$2,659 per month
Two people
$5,321 per month

One-person estimate breakdown

Housing
$557
Food
$603
Transportation
$1,026
Healthcare
$473

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Falmouth in everyday life

Could Falmouth work for you?

What may work well

  • The catalog supplies clear planning rent anchors for the town.
  • Falmouth Hospital, town services, CCRTA, libraries, beaches, and senior services provide identifiable household resources.

What to think about

  • Heating, coastal insurance, maintenance, seasonal traffic, vehicle or transit use, and care travel can change the total substantially.
  • Summer and winter can carry very different parking, service, price, and access conditions.

Price a Falmouth household

  1. Compare several addresses

    Keep housing, heating, utilities, insurance, maintenance, drainage, snow, vehicle, transit, parking, and service distance visible.

  2. Map recurring care

    Price Falmouth Hospital, pharmacy, groceries, specialists, CCRTA, fuel, parking, and Cape-wide referrals.

  3. Reserve for coastal weather

    Keep room for wind and flood insurance, roof, windows, drainage, trees, heating, power, snow, repairs, and a ride after a storm.

Questions retirees ask

Are $557 and $1,891 the full Falmouth budget?

No. They are the catalog's 2024 ACS one-bedroom and two-bedroom gross-rent anchors. Add heating, utilities, insurance, maintenance, vehicles, transit, care, groceries, and coastal reserves.

Why do Falmouth homes have different budgets?

Coastal exposure, insurance, heating, maintenance, seasonal prices, parking, traffic, transit, utilities, and care distance vary by address.

Falmouth affordability depends on the actual home, year-round services, heating, coastal insurance, transport, care, and the routes used in both summer and winter.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.