Essex County

Massachusetts · MA

#11 in Massachusetts
56.9
County Score

County Report Card

About Essex County, Massachusetts

Above average, but lagging state peers

Essex County's composite score of 54.2 exceeds the national median of 50.0, but trails most other Massachusetts counties. The score reflects respectable national livability compromised by state-level housing constraints.

Below state average among peers

Essex ranks seventh of the eight counties examined, scoring 54.2 versus the state average of 57.1. This is the weakest performer in this Massachusetts cohort, primarily due to housing affordability challenges.

Reasonable incomes and manageable taxes

Essex offers a median household income of $99,431 and a moderate tax rate of 1.073% (score of 72.1). These figures support a solid middle and upper-middle class presence in the region.

Housing costs severely constrain affordability

The cost score of 42.3 is the second-lowest among these counties, with median home values of $584,000 and rents of $1,673 monthly—nearly the highest in the group. This affordability crisis significantly undermines overall livability despite strong incomes.

High earners only, despite good incomes

Essex County suits high-income professionals earning $100,000+ who accept elevated housing costs as the price of proximity to Boston and the North Shore. It's less suitable for families prioritizing affordability.

Score breakdown

5 dimensions have live data. 3 more coming as vertical sites launch.

Tax72.1Cost42.3SafetyComing SoonHealth81.4SchoolsComing SoonIncome48.3Risk4.4WaterComing Soon
🏛72.1
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty
🏠42.3
Cost of Living
Median rent, home values, and housing affordability
CostByCounty
💼48.3
Income & Jobs
Median household income and per capita earnings
IncomeByCounty
🛡Coming Soon
Safety
Violent and property crime rates per 100K residents
81.4
Health
Life expectancy, uninsured rates, and health access
HealthByCounty
🎓Coming Soon
Schools
Graduation rates, per-pupil spending, and attainment
4.4
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty
💧Coming Soon
Water Quality
EPA drinking water health violations and safety grades

Deep Dives

Essex County across the ByCounty Network

Detailed analysis from 5 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Essex County

via TaxByCounty

Essex taxes just above national average

Essex County's effective tax rate of 1.073% sits just above the national median of 1.1%, placing it slightly above average in American tax burden terms. The median tax bill of $6,267 significantly exceeds the national median of $2,690, but reflects Essex's elevated median home value of $584,000 versus the national $281,900. On a rate basis, Essex homeowners face typical American property tax pressure, though the absolute dollars are substantial.

Essex's rate mirrors the Massachusetts average

At 1.073%, Essex's effective rate is nearly identical to the Massachusetts state average of 1.065%, placing it dead center among state counties. The median tax of $6,267 exceeds the state median of $5,149 by 22%, reflecting Essex's significantly higher home values averaging $584,000. Essex represents quintessential Massachusetts property taxation—balanced between affluent coastal suburbs and working-class mill towns.

Essex leads wealthy northeastern Massachusetts

Essex's 1.073% rate is lower than Bristol (1.111%) and substantially below inland counties like Hampshire (1.466%), Franklin (1.514%), and Hampden (1.568%). Compared to nearby New Hampshire and Vermont, Essex's rate remains competitive for high-value suburban markets. The county's position as Massachusetts' wealthiest region is reflected in its moderate-to-low tax rate relative to state peers, despite its elevated home values.

A $584,000 home costs roughly $6,267 yearly

The median Essex property—valued at $584,000—generates an annual tax bill of approximately $6,267, nearly identical for mortgaged and outright owners at $6,235 and $6,351 respectively. Over 30 years, that totals roughly $188,010 in property taxes. Essex homeowners pay the second-highest absolute tax bills in Massachusetts, reflecting both their high home values and the county's rate near the state average.

Assessments in booming markets need checking

Essex's appreciating real estate market can lead to assessments that haven't kept pace with recent market corrections or that overvalue based on outdated comparable sales. Homeowners have a right to appeal assessments if they exceed fair market value—a process with no cost to initiate. In a county where the average property tax exceeds $6,000 annually, a successful appeal could yield hundreds or thousands in yearly savings.

Cost of Living in Essex County

via CostByCounty

Essex County stretches budgets tighter than most

Essex County renters spend 20.2% of their income on housing, exceeding the national average and topping even Massachusetts' state median of 19.3%. With a median household income of $99,431 and rent at $1,673 monthly, Essex residents dedicate more to housing than nearly all comparable American counties.

Among Massachusetts' least affordable counties

Essex County ranks among the least affordable in Massachusetts with a rent-to-income ratio of 20.2%, nearly matching Barnstable's 20.3% burden. Its median rent of $1,673 is the highest among all eight surveyed counties, driven by proximity to Boston and coastal North Shore demand.

Boston-area premium outpaces inland rivals

Essex's rent of $1,673 significantly exceeds nearby inland counties like Hampshire ($1,332) and Franklin ($1,169), reflecting Boston's suburban housing crunch. Home values ($584,000) approach Barnstable's, but Essex rents climb higher—a sign of sustained demand from commuters to metro Boston.

Both renters and buyers face steep costs

Renters allocate 20.2% of income to $1,673 monthly rent, while homeowners dedicate 27.9% to a $2,317 monthly payment on homes worth $584,000. Essex imposes the state's second-highest housing burden overall, squeezing household budgets regardless of tenure.

North Shore convenience comes at a premium price

Moving to Essex County means paying substantially more for housing than western Massachusetts alternatives—rent here is 50% higher than Berkshire's. If commuting to Boston is essential, Essex delivers access; if flexibility exists, Bristol, Hampshire, or Berkshire counties offer comparable quality of life at significantly lower cost.

Income & Jobs in Essex County

via IncomeByCounty

Essex County earns well above U.S. average

Essex County's median household income of $99,431 runs 33% higher than the national median of $74,755, placing it among the nation's most prosperous regions. This strong performance reflects a regional economy anchored by biotech, finance, healthcare, and professional services concentrated in the Route 128 corridor.

Second-wealthiest county in Massachusetts

Essex County's $99,431 median exceeds the state average of $96,546 by 3%, ranking second statewide behind only Dukes County. The county's position reflects its role as home to Boston's northern suburbs and a major hub for high-wage professional and technical employment.

Leads greater Boston income rankings

Essex County's $99,431 median outpaces Barnstable County ($94,452) and significantly exceeds Bristol County ($84,198) and Hampshire County ($86,391). Only Martha's Vineyard-based Dukes County commands higher household incomes across Massachusetts.

High income offset by elevated housing costs

With a 20.2% rent-to-income ratio and median home values at $584,000, Essex County residents face substantial housing burdens despite strong earnings. The county's proximity to Boston and thriving job market drive property costs that consume a meaningful portion of household income.

Invest surplus earnings for future security

Essex County's high incomes provide real capacity for wealth-building beyond housing costs, making strategic investment critical. Diversifying into stocks, bonds, real estate, and retirement accounts can help households leverage their earnings advantage into lasting intergenerational wealth.

Health in Essex County

via HealthByCounty

Essex matches Massachusetts average

Essex County's 79.7-year life expectancy matches both the state and national averages, indicating typical longevity for its population. At 14.8% reporting poor or fair health—above the national 17.8%—residents experience better day-to-day health than many Americans.

Exactly on the state average

Essex County's 79.7-year life expectancy equals Massachusetts' state average precisely, placing it in the middle tier of state counties. Its 14.8% poor/fair health rate ranks better than five counties but worse than Hampshire and Franklin.

Slightly healthier than Barnstable

Essex County's 79.7-year life expectancy ties state average but exceeds Barnstable (79.5 years) and trails Hampshire (80.2 years). Its 14.8% poor/fair health rate sits between Barnstable (11.9%) and Hampden (20.6%), placing Essex in the middle of the spectrum.

Moderate provider availability and coverage

Essex County offers 74 primary care providers per 100,000 residents and 686 mental health providers per 100,000, both near state levels. At 3.5% uninsured—slightly above the 3.0% state average—about 3,500 residents likely lack health coverage.

Close the coverage gap

Essex County's 3.5% uninsured rate exceeds the state average, affecting thousands of residents who skip preventive care due to cost. Visit MassHealth.org or Healthcare.gov to find affordable coverage and access care.

Disaster Risk in Essex County

via RiskByCounty

Essex ranks among America's riskiest counties

Essex County's composite risk score of 95.58 places it in the highest tier of American disaster risk, exceptionally high compared to the national average. Nearly every hazard type registers at elevated levels in Essex, creating a complex, multi-threat environment. Residents here face greater overall disaster exposure than nearly all other American counties.

Highest-risk county in Massachusetts

Essex County's 95.58 composite score is the highest in Massachusetts, significantly outpacing the state average of 78.84 and topping every other county in the state. Hampden (92.78) and Bristol (89.85) come closest, but neither approaches Essex's comprehensive hazard exposure. Essex represents the state's peak disaster risk concentration.

Dramatically higher risk than all peers

Essex's 95.58 score towers above nearby Franklin (60.72), Hampshire (69.88), Berkshire (84.00), and even coastal Barnstable (89.09) and Bristol (89.85). The 5+ point gap between Essex and the second-riskiest county is massive. Essex's dense coastal development, urban concentration, and Atlantic exposure combine to create Massachusetts' most hazard-prone environment.

All major hazards pose serious threats

Essex residents confront exceptional risk across nearly every hazard type: floods (97.80), earthquakes (94.91), hurricanes (93.28), tornadoes (92.43), and even wildfires (59.19). Unlike counties where one or two hazards dominate, Essex faces a genuinely compound, multi-layered disaster environment. Every hazard type here requires active attention and preparation.

Comprehensive coverage strategy is essential

With flood (97.80), earthquake (94.91), hurricane (93.28), and tornado (92.43) risks all at extreme levels, standard homeowners insurance is dangerously insufficient. You need federal flood insurance, earthquake coverage, and premium wind/hurricane riders as baseline protection. Consider working with a comprehensive insurance advisor to layer coverage appropriately across all hazard types.

ByCounty Network

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS — informational only.