Amherst Town, MA
The rest of the month in Amherst Town
$3,359 in modelled household costs, against $5,065 take-home. Leftover is $1,706.
Where the money goes
- Taxes$1,588
- Rent$1,453
- Other living costs$1,906
- Left over$1,706
Pay and tax, per year
- Gross household pay
- $79,832
- Federal income tax
- −$9,177
- Social Security and Medicare
- −$6,107
- State income tax (MA)
- −$3,772
- Take-home pay
- $60,776
- Effective tax rate
- 23.9%
Living costs, per month
- Rent, 1br
- $1,453
- Groceries
- $400
- Getting around
- $455
- Healthcare
- $450
- Utilities and internet
- $250
- Everything else
- $350
- Total spending
- $3,359
Left over each month
$6,653 gross, minus $1,588 in tax and $3,359 in living costs.
$1,706
Power bill, separately
EIA 2024 residential electricity in MA averages a $260 monthly bill at 900 kWh. The utilities line above already includes power, gas and water as a household bundle — this is the state rate as a cross-check, not an extra cost.
Non-housing lines start from BLS-order-of-magnitude national spending, then scale by this metro's cost index and your household size. Electricity rates are EIA state averages. Not a budget, not advice.