Scores
Research
openai/gpt-5.4-mini“Newburyport is a walkable, historic, coastal New England retirement town with strong amenities, easy Boston access, and high housing costs.”
Newburyport fits an active retiree who wants a charming downtown, marina-and-river setting, and a country-club-friendly North Shore lifestyle, but it is not a low-cost market. The tradeoffs are New England winters, higher home and insurance costs, and a local housing market that tends to sit well above the budget of many buyers, even before property taxes and maintenance are added.
Cost of living & taxes Historic coastal charm comes with Massachusetts-level taxes and expensive homes.
Newburyport’s municipal FY 2025 property tax rate is $9.58 per $1,000 of assessed value, down from $9.97 in FY 2024 and $10.74 in FY 2023 (City of Newburyport Assessor[1]). The city’s assessor page is the correct local source because Massachusetts property tax is set municipally, not at the county level (City of Newburyport Assessor[1]). For a market snapshot, a local housing community page puts Newburyport’s 2025 median home price around $1.1 million and downtown walk score at 98, which is consistent with a premium walkable market (Luxury Homes Newburyport[2]).
Healthcare access You have a local acute hospital, but major specialty care will often be in Boston or the broader North Shore.
The main local hospital is Anna Jaques Hospital at 25 Highland Ave in Newburyport, which CMS-linked listings and hospital directories identify as an acute hospital serving the city (Mass.gov licensed facilities list[3], NPPES registry[4]). Medicare-facing listings also show the hospital participates with several major Medicare Advantage brands, including Blue Cross Blue Shield, Harvard Pilgrim, Mass General Brigham Health Plan, Tufts Health Plan, UnitedHealthcare, and WellSense (Checkbook Health listing[5]). For broader specialist care, residents commonly look to the larger Boston medical market, while Medicare’s Care Compare is the right tool for comparing nearby clinicians and facilities (Medicare Care Compare[6]).
Climate & weather Four-season coastal climate, with damp summers, cold winters, and a relatively short comfort window for outdoor living.
NOAA’s climate normals portal is the correct agency source for station-based precipitation and temperature normals, and NCEI notes that these normals can be searched by station, city, county, or state (NCEI Climate Normals[7]). A climate summary for Newburyport shows a humid continental pattern, with annual precipitation around 43.67 inches, a hottest-month average near 74 F in July, and a coldest-month average near 30 F in January (timeanddate climate summary[8]). That points to a comfortable outdoor season that is best from late spring through early fall, with shoulder seasons still very usable but winter clearly limiting golf and long walks (timeanddate climate summary[8]).
Crime & safety The city’s FBI-linked five-year crime rates appear well below national averages, but current reporting is still not fully complete everywhere.
A source summarizing FBI Crime Data Explorer figures for Newburyport reports a five-year violent crime rate of 74.0 per 100,000 residents, about 30.3% below the national average, and a property crime rate of 21.1 per 100,000, about 87.1% below the national average (Crime in Newburyport, MA[9]). That same page says the Newburyport Police Department serves the city in Essex County and summarizes 2019 to 2024 incidents, but FBI/UCR and NIBRS reporting remains incomplete nationally after 2021, so the trend should be treated as indicative rather than exhaustive (Crime in Newburyport, MA[9]). I could not verify a separate official FBI city table in the retrieved pages, so I am not substituting a score-site estimate beyond the FBI-derived summary already retrieved (Crime in Newburyport, MA[9]).
Housing market Newburyport’s housing market is expensive, fast-moving, and thinly supplied, which supports liquidity but narrows affordable options for a 62-year-old retiree.
Newburyport’s current market snapshots cluster around a roughly $927,506 typical home value with homes going pending in about 9 days, while a separate market snapshot shows a median listing price of $1.09M and average days on market of 21, indicating a consistently high-end, quick-turn market (Zillow[10]) (Realtor.com[11]). A broader city market report shows a median sale price of $850K, 16 days on market, 1.1 months of supply, and only 8 active homes, which points to tight inventory and a market where well-priced homes still move quickly (Commonwealth Standard[12]). For retirement planning, there is clearly some older-adult housing in town, including Atria Merrimack Place, described as 55 plus living at 85 Storey Avenue, and other senior housing listings in Newburyport (Senior Living Guide[13]) (Senior Guidance[14]).
Airport & travel Boston Logan is the practical commercial-airport anchor, with multiple secondary options farther away.
Newburyport’s nearest scheduled commercial air service is Boston Logan International Airport, which a local city profile identifies as the primary option for residents (Wikipedia geography summary[15]). The same source says additional scheduled options include Worcester Regional, Pease International Tradeport, and Manchester-Boston Regional, but Logan is the closest major airport for most travelers (Wikipedia geography summary[15]). For a retiree who values access to major hubs, Logan is the strongest choice because it offers the broadest nonstop network in the region, while the nearer alternatives are smaller and less likely to match frequent Midwest and East Coast travel needs (Wikipedia geography summary[15]).
Golf & recreation The North Shore offers a strong mix of public golf, private clubs, and coastal recreation.
A Massachusetts golf directory shows Evergreen Valley Golf Course in Newburyport itself, giving the city at least one immediate public option, while nearby Newbury and the surrounding North Shore add more choices within a short drive (Massachusetts Golf Course Directory[16]). For a country-club retiree, the broader market is attractive because the area combines golf with riverfront walks, Atlantic beaches, and easy access to regional outdoor recreation, even though the retrieved sources do not provide a complete official count of all courses within 30 minutes (Massachusetts Golf Course Directory[16]). The best-supported takeaway is that Newburyport is not a golf desert, and the mix of nearby public and private-style options supports an active lifestyle (Massachusetts Golf Course Directory[16]).
Community & demographics Small-city, older-skewing, highly walkable, and geared to people who want a lively historic downtown.
The U.S. Census Bureau QuickFacts page lists Newburyport’s July 1, 2024 population at 19,163, and the city’s 2020 Census population at 18,289 (Census QuickFacts[17]). A local profile notes a median age of 47.3 and a downtown walk score of 98, which fits a retiree-friendly, amenity-rich pattern centered on the historic core and waterfront (Luxury Homes Newburyport[2]). The city also markets itself with a strong downtown historic-district identity and a river-to-ocean setting, which are the main lifestyle draws for buyers who want charm and walkability over suburban sprawl (Bentley’s Real Estate[18]).
Hazard & air quality Flood exposure is the main hazard concern in this coastal Essex County market, while wildfire risk is low.
FEMA’s National Risk Index is published at the county level, and Essex County is the correct county for Newburyport (FEMA National Risk Index[19]). A FEMA flood-maps PDF for Essex County lists Newburyport communities and flood zones including A, AE, AO, VE, and X, which indicates meaningful floodplain exposure in parts of the city (Essex County flood map PDF[20]). For air quality, EPA’s AQI reporting framework is the right source for annual good-air-day counts, but I could not retrieve a Newburyport-specific annual AQI page in the available results, so I am not inventing a city figure here (EPA AQI report[21]).
Sources (21)
Numbered sources are the ones cited inline above.
- City of Newburyport Assessor
- Luxury Homes Newburyport neighborhood profile
- Massachusetts licensed health care facilities list
- CMS NPPES registry, Anna Jaques Hospital
- Anna Jaques Hospital plan participation
- Medicare Care Compare
- NOAA NCEI US Climate Normals
- Newburyport climate summary
- FBI Crime Data summary for Newburyport
- Zillow Newburyport home values
- Realtor.com Newburyport market snapshot
- Commonwealth Standard Newburyport market
- Atria Merrimack Place
- Senior Guidance Newburyport senior housing
- Newburyport geography summary
- Massachusetts Golf Course Directory
- Census QuickFacts, Newburyport city
- Bentley’s Newburyport community page
- FEMA National Risk Index
- FEMA Essex County flood map PDF
- EPA Air Quality Index report
Cost of living
149.2 cost-of-living index for a retired household (100 = U.S. average) — about 49.2% above the national average for retirees.
| Groceries | 104.9 |
| Housing | 229.3 |
| Utilities | 155.0 |
| Transportation | 106.5 |
| Healthcare | 128.3 |
| Misc. goods & services | 114.2 |
General-population composite: 149.1. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.
C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026).
A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.
Newburyport is not tracked separately by C2ER; using the nearest covered market, Boston MA (~35 miles).
Census figures
| Measure | Figure |
|---|---|
| Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ | 18,652 plus or minus 47 |
| Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ | 24.4% plus or minus 2.7 percentage points |
| Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ | $139,625 plus or minus $21,347 |
| Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ | $834,000 plus or minus $36,849 |
| Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ | $1,592 plus or minus $221 |
| Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ | $7,944 plus or minus $411 |
| Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ | 24.4% plus or minus 4.6 percentage points |
3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.
Key details
| Region | MA |
| Airport | BOS — ~45-60 min (major hub) |
| Climate | Humid continental; ~43.7" precip; July ~74 F, Jan ~30 F; golf May–Oct |
| Lot size | 0.10–0.25 ac, low-maintenance in-town lot |
| Home type | Historic or renovated 3,000–4,000 sq ft single-family |
| Key watch | High home prices; coastal flood exposure; New England winter maintenance |
| Healthcare | Anna Jaques Hospital; serious care = Boston specialists |
| Best season | May – October |
| Top community | South End, Near the Waterfront, North End historic district, Moseley Woods area |