Relocating to Massachusetts

What do I need to know about relocating to Massachusetts?

So a little depends on where you are coming FROM but more importantly WHY you are coming here. How would these two attributes be important you ask?

You’re either being drawn to Massachusetts (examples: work or school, relationships, culture + lifestyle, or natural attributes such as the ocean, beaches, and seasonal preference).

Or 

You’re being pushed out of your current destination (high taxes, you’re lonely, cultural mismatch, heat, flooding, etc.)

But you’ll agree it has to be a PUSH or a PULL right?

While all decisions can be unwound, some actions are more expensive (and embarrassing) to try to press the rewind button on. 

Let’s be clear. I love Massachusetts. I’ve never lived anywhere else (and never will). Our entire staff is Mass “lifers”. I’d rather vacation IN Mass than travel to another state when I have the choice.

You’ll need to watch your destination town carefully. City and town tax rates can vary by over 500%.

While this may sound extreme, the historical management and use of the town often dictate the tax burden that is placed on the homeowners. Many town boundaries are traced by a river. In some cases crossing a bridge can affect the tax rate by $10/ thousand. On a $600,000 home, that’s a $500 per month variable …. for life. 

As often as we are referred to as Taxachusetts, there are some financial benefits to living in MA. 

Proposition 2 ½ is unique to Massachusetts and it “caps” the growth rate of property tax to 2 ½% per year. Towns who seek to increase the revenue from taxation in excess of that percentage will need the support of the majority of townsfolk at a special override show-of-hands. Observe the history of these overrides in your destination town. Some towns can’t survive without them. Some may call it spending beyond their means, others will say they can’t survive without it. Just be aware of what you’re signing up for.

Massachusetts doesn’t have a separate County or School tax, which may seem like you’re getting a pay raise compared to other states.  MA State Income Tax of 5.00% is on the lower end compared to New York, New Jersey, and California. It’s clearly NOT an income tax-exempt state though, like NH. If your employer is located in a state that doesn’t have an income tax (NH, TN, FL, TX, NV, WY, SD, WA) you’ll still get access to the MA income tax liability for living here).

What is a Masshole and will I become one?

That’s unlikely. A Masshole is a combination of a male who is arrogant and also an ignoramus; someone from MA that tries to bring a universally tolerated Massachusetts principal to somewhere outside our Commonwealth.  This could include accepted slang, driving habits, dress style (including sports jerseys), or some philosophical dogma about the Kennedys being divine. It works in MA, but cross a state border and people just shake their heads. Its term can also surface when folks outside of Mass visit here and observe the generally accepted behavior, or driving styles firsthand. A true Ah-Ha moment.

These are ideas to consider if you’re being pushed into MA. 

If you are being pulled into MA then you’re already sold on something here. And there’s much to be Sold on.  Here’s my take: You can’t find (and live in) this kind of charm anywhere else in the country.

Admittedly, the most charming spots can be crowded, but there are many hidden gems, mostly overlooked. It’s your job to discover and find them. Insiders can help you, but like anyplace there’s a shhh and a “don’t tell anyone else about this”.  My favorite Museums are often, sadly, very light with guests. 

Join and follow organizations that preserve ( On Nantucket ) and promote  ( Across the State ) open space ( State Parks by region ) natural beauty (In Essex County) and historic properties (Historic Property Search).

These organizations will help introduce you to a theme such as the Birthplace of American Independence, Textile, Industrial, or Technology Revolutions that began here, and Educational or Medical history. Massachusetts is nearly an endless exploration and discovery playground. 

Tag any of us if you need help on where to start your journey into Massachusetts. We’d be happy to introduce you to folks who will help you with the relocation transition. Our Instagram Page @GoldCoastMortgage tries to show the “B” side of the 351 Cities and Towns that bring rich personality to our precious Commonwealth.

Uncover the Hidden Gems: Discovering the Best Neighborhoods in Massachusetts for Your Relocation

Are you considering a move to Massachusetts but feeling overwhelmed by the countless neighborhoods to choose from? You’re not alone! Massachusetts is home to some of the most charming and sought-after neighborhoods in the country. To help simplify your decision-making process, we’ve done the legwork for you and uncovered the hidden gems that Massachusetts has to offer.

From historical towns brimming with colonial charm to vibrant urban communities full of culture and excitement, there is something for everyone in the Bay State. Whether you’re a young professional seeking a bustling city atmosphere or a family looking for a safe and welcoming suburban enclave, Massachusetts has it all.

In this article, we’ll take you on a virtual tour of the best neighborhoods in Massachusetts, highlighting their unique characteristics, amenities, and attractions. You’ll get an insider’s perspective on what makes each neighborhood special and why it deserves your consideration. So, buckle up, because we’re about to embark on a journey to find your perfect Massachusetts neighborhood.

Factors to consider when choosing a neighborhood in Massachusetts

When choosing a neighborhood in Massachusetts, there are several factors you should consider to ensure it aligns with your lifestyle and preferences. One crucial factor is the proximity to your workplace or desired amenities. Commute times can vary significantly depending on the neighborhood and transportation options available. Additionally, you should consider the cost of living, safety, and access to good schools if you have children. Finally, think about the type of community and atmosphere you desire, whether it’s a tight-knit neighborhood with a strong sense of community or a more cosmopolitan area with a diverse and dynamic population.

Top neighborhoods in Boston for professionals

Boston, the capital of Massachusetts, is a vibrant city known for its historical significance, prestigious universities, and thriving job market. If you’re a young professional looking to make your mark in this bustling city, there are several neighborhoods that cater to your needs. One such neighborhood is the Seaport District, which has undergone significant revitalization in recent years and is now a hub for tech companies and startups. Back Bay is another popular choice, offering a mix of high-end shopping, dining, and beautiful brownstone homes. Lastly, the South End is known for its trendy restaurants, art galleries, and vibrant nightlife.

Family-friendly neighborhoods in Massachusetts

If you’re moving to Massachusetts with your family, you’ll be pleased to know that there are plenty of family-friendly neighborhoods to choose from. Newton, located just outside of Boston, consistently ranks among the top places to raise a family in Massachusetts. With its excellent public schools, safe streets, and ample recreational opportunities, it’s no wonder families flock to this suburban oasis. Lexington is another family-friendly neighborhood known for its top-notch schools and rich history. Finally, Andover, located in the Merrimack Valley, offers a small-town feel with a strong sense of community and great schools.

Affordable neighborhoods in Massachusetts

Massachusetts is known for its high cost of living, but that doesn’t mean there aren’t affordable neighborhoods to be found. One such neighborhood is Worcester, the second-largest city in Massachusetts. Worcester offers a lower cost of living compared to Boston while still providing access to cultural attractions, excellent healthcare, and a diverse community. Another affordable option is Lowell, a former mill town located just outside of Boston. Lowell boasts a rich history, affordable housing options, and a thriving arts scene. Finally, Brockton, located south of Boston, offers a mix of affordable housing, diverse neighborhoods, and easy access to the city.

Neighborhoods with the best amenities in Massachusetts

If having access to amenities such as shopping, dining, and entertainment is a priority for you, there are several neighborhoods in Massachusetts that fit the bill. Cambridge, located just across the river from Boston, is home to Harvard University and MIT, making it a hub for intellectual and cultural activities. With its charming streets lined with shops, restaurants, and cafes, it’s no wonder Cambridge is a favorite among residents and visitors alike. Somerville, located adjacent to Cambridge, offers a thriving arts scene, unique boutiques, and a wide range of dining options. Finally, Northampton, located in the picturesque Pioneer Valley, is known for its vibrant downtown area filled with independent shops, art galleries, and live music venues.

Up-and-coming neighborhoods in Massachusetts

If you’re someone who enjoys being at the forefront of trends and wants to live in an up-and-coming neighborhood, Massachusetts has a few hidden gems for you. Dorchester, located in Boston, has seen significant development in recent years and is becoming increasingly popular among young professionals and families. With its diverse community, historic architecture, and proximity to downtown Boston, Dorchester offers the best of both worlds. Another up-and-coming neighborhood is Salem, famous for its witch trials in the 17th century. Today, Salem has transformed into a vibrant and trendy community with a thriving arts scene, unique shops, and a bustling restaurant scene. Finally, Quincy, located just south of Boston, has seen a surge in popularity due to its affordable housing options, waterfront location, and easy access to downtown Boston.

Neighborhoods with the best schools in Massachusetts

For families with school-age children, finding a neighborhood with excellent schools is often a top priority. Lexington, mentioned earlier as a family-friendly neighborhood, is known for its top-ranked schools and rigorous academic programs. Brookline, located just west of Boston, is another neighborhood with highly regarded public schools and a strong sense of community. Finally, Newton, also mentioned earlier, offers a range of exceptional public schools that consistently rank among the best in the state.

Neighborhoods with a vibrant arts and culture scene in Massachusetts

Massachusetts has a rich arts and culture scene, and there are several neighborhoods that serve as hubs for creative expression. Jamaica Plain, located in Boston, is known for its diverse community and vibrant arts scene. With its numerous art galleries, music venues, and independent theaters, Jamaica Plain is a haven for artists and art enthusiasts. Northampton, mentioned earlier for its downtown area, is also a cultural hotspot, with numerous art festivals, live music events, and a thriving theater scene. Lastly, Provincetown, located on Cape Cod, is a haven for artists and writers, with its picturesque scenery and vibrant LGBTQ+ community.

Conclusion: Finding your perfect neighborhood in Massachusetts

Finding the perfect neighborhood in Massachusetts may seem like a daunting task, given the multitude of options available. However, by considering factors such as proximity to amenities, affordability, schools, and your desired lifestyle, you can narrow down your choices and find the neighborhood that best suits your needs. Whether you’re a young professional seeking an urban oasis or a family looking for a safe and welcoming community, Massachusetts has a neighborhood that will make you feel right at home. So, start exploring the hidden gems of Massachusetts and uncover the neighborhood that will be the perfect backdrop for your new chapter.