Know a Massachusetts town's finances before you buy
A plain letter budget grade for each of the 351 cities and towns, the chance voters get asked to raise taxes, and how much of local income the typical tax bill takes. Built only from public state and federal data.
124 of 351 towns held a Prop 2½ override vote in the last 5 years
149 towns have a High chance of an override vote
166 towns' typical tax bill takes more than the 6.4% of income it does in the median town
The big picture
Why Massachusetts town budgets are squeezed
School costs up 54% since 2015 with 4% fewer students, and override votes at their highest since 2008. Five charts. →
Full data table
All 351 towns, every public number
Sort, filter and download the CSV: reserves, debt, tax bills, schools, votes and more. See the full data table →
Is the budget underwater? Estimated budget gaps per home for six towns, and the gaps Belmont and Melrose voters filled with overrides. See the charts →
How do MA towns compare nationally? Low debt, high school spending, heavy reliance on property tax. See how MA compares →
All 351 towns
Budget grade: A Excellent, B Solid, C Fair, D Weak, F Very weak, from the town's 3-year average savings (reserves), debt and debt payments. Chance of an override vote: Low, Medium or High. It ranks towns; it is not a percentage. How the budget grade works
Showing 351 of 351 towns
| Takeaway | ||||||||
|---|---|---|---|---|---|---|---|---|
| Median town | $6.8k | 6.4% | 35% of towns | -2% | $614k | |||
| Abington | C · FairBetter than 26% of MA townsAbility to pay: below the state median | High | $7.5k | 6.0% | ✕ | +1% | $630k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); override vote in 2026; another override vote likely. |
| ActonRegional district shared with 2 towns | C · FairBetter than 37% of MA townsAbility to pay: top 25% | High | $15.2k | 9.6% | ✕ | -4% | $989k | Below-typical savings (5% of budget); override vote in 2024 and little room under the tax cap; another override vote likely. |
| Acushnet | C · FairBetter than 30% of MA townsAbility to pay: below the state median | Medium | $5.2k | 5.9% | None | +2% | $555k | Below-typical savings (4.4% of budget); almost no room under the tax cap; an override vote possible. |
| AdamsRegional district shared with 2 towns | C · FairBetter than 22% of MA townsAbility to pay: bottom 10% | Medium | $4.1k | 7.0% | None | -4% | $235k | Fair finances; thin savings (3.9% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Agawam | A · ExcellentBetter than 95% of MA townsAbility to pay: bottom 25% | Low | $5.2k | 6.1% | None | -3% | $345k | Low debt and solid savings (13% of budget); override vote unlikely, with room under the tax cap. |
| AlfordSmall town, figures volatile · Regional district shared with 5 towns | B · SolidBetter than 77% of MA townsAbility to pay: top 25% (income) | Low | $5.2k | 4.3% | None | -8% | Too few sales | Strong savings (19% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Amesbury | C± · FairBetter than 47% of MA townsAbility to pay: above the state median | High | $9.9k | 9.5% | ✕ | -2% | $673k | Fair finances; typical savings (7.8% of budget); override vote in 2025; another override vote likely. |
| Amherst | B · SolidBetter than 75% of MA townsAbility to pay: bottom 10% | Medium | $10.0k | 14.9% | None | -5% | $606k | Low debt and solid savings (9.8% of budget); almost no room under the tax cap; an override vote possible. |
| Andover | D · WeakBetter than 6% of MA townsAbility to pay: top 25% | Low | $13.2k | 7.6% | None | -4% | $1.1M | High debt for its property value; override vote unlikely despite little room under the tax cap. |
| AquinnahSmall town, figures volatile · Regional district shared with 3 towns | B · SolidBetter than 64% of MA townsAbility to pay: top 10% (income) | High | $12.7k | 8.7% | ✕ | +2% | Too few sales | Low debt and solid savings (9.7% of budget); 6 override votes since 2016; another override vote likely. |
| Arlington | B± · SolidBetter than 53% of MA townsAbility to pay: top 25% | High | $11.9k | 7.9% | ✕ | +6% | $1.2M | Low debt and solid savings (9.8% of budget); 3 override votes since 2016; another override vote likely. |
| AshburnhamRegional district shared with 2 towns | B± · SolidBetter than 88% of MA townsAbility to pay: bottom 25% | High | $6.2k | 5.3% | None | +1% | $473k | Low debt and solid savings (12% of budget); override vote in 2017; another override vote likely. |
| AshbyRegional district shared with 3 towns | B · SolidBetter than 82% of MA townsAbility to pay: below the state median | High | $6.2k | 5.4% | ✕ | -4% | $470k | Low debt and solid savings (12% of budget); override vote in 2024; another override vote likely. |
| AshfieldRegional district shared with 8 towns | A± · ExcellentBetter than 90% of MA townsAbility to pay: below the state median | Low | $5.5k | 6.8% | None | +3% | $510k | Low debt and solid savings (13% of budget); override vote unlikely, with room under the tax cap. |
| Ashland | F · Very weakBetter than 3% of MA townsAbility to pay: above the state median | High | $9.4k | 7.3% | ✕ | +7% | $665k | Thin savings (3.2% of budget vs 7.3% typical); override vote in 2026; another override vote likely. |
| AtholRegional district shared with 2 towns | B± · SolidBetter than 50% of MA townsAbility to pay: bottom 10% | Medium | $3.9k | 5.7% | ✕ | +9% | $345k | Low debt and modest savings (7% of budget); 3 override votes since 2016; an override vote possible. |
| Attleboro | C · FairBetter than 17% of MA townsAbility to pay: bottom 25% | Medium | $6.3k | 6.4% | None | +8% | $531k | Below-typical savings (6.1% of budget); almost no room under the tax cap; an override vote possible. |
| Auburn | A · ExcellentBetter than 98% of MA townsAbility to pay: below the state median | Low | $6.3k | 5.4% | None | -3% | $440k | Strong savings (23% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Avon | C · FairBetter than 41% of MA townsAbility to pay: below the state median | Low | $7.6k | 5.9% | None | -1% | $600k | Fair finances; below-typical savings (5.9% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| AyerRegional district shared with 2 towns | C± · FairBetter than 46% of MA townsAbility to pay: above the state median | Low | $6.6k | 6.5% | None | +4% | $590k | Fair finances; typical savings (7.5% of budget); override vote unlikely, with room under the tax cap. |
| Barnstable | A · ExcellentBetter than 96% of MA townsAbility to pay: above the state median (income) | Medium | $5.6k | 6.1% | None | -4% | $673k | Strong savings (15% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| BarreRegional district shared with 5 towns | D± · WeakBetter than 12% of MA townsAbility to pay: bottom 25% | High | $5.1k | 4.7% | ✕ | +1% | $413k | Thin savings (2.2% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| BecketRegional district shared with 7 towns | B · SolidBetter than 81% of MA townsAbility to pay: above the state median (income) | Medium | $3.7k | 4.6% | None | +1% | $381k | Low debt and solid savings (10% of budget); school costs outpacing the tax cap; an override vote possible. |
| Bedford | C± · FairBetter than 46% of MA townsAbility to pay: top 10% | Low | $13.0k | 7.5% | None | -8% | $1.1M | Fair finances; heavy debt payments (7.2% of budget); override vote unlikely, with room under the tax cap. |
| Belchertown | C± · FairBetter than 15% of MA townsAbility to pay: bottom 25% | Medium | $6.6k | 6.1% | ✕ | -8% | $485k | Thin savings (2.8% of budget); override vote in 2025 and little room under the tax cap; an override vote possible. |
| Bellingham | C · FairBetter than 20% of MA townsAbility to pay: below the state median | High | $6.1k | 4.8% | ✕ | +4% | $554k | Fair finances; below-typical savings (5.7% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Belmont | C · FairBetter than 27% of MA townsAbility to pay: top 10% | High | $19.6k | 10.7% | ✕ | 0% | $1.6M | Fair finances; below-typical savings (5.9% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Berkley | C± · FairBetter than 15% of MA townsAbility to pay: below the state median | High | $7.0k | 4.8% | ✕ | -3% | $585k | Fair finances; thin savings (3% of budget vs 7.3% typical); override vote in 2026; another override vote likely. |
| BerlinRegional district shared with 2 towns | B± · SolidBetter than 86% of MA townsAbility to pay: above the state median | Low | $10.0k | 8.2% | None | +6% | $761k | Low debt and solid savings (11% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| BernardstonRegional district shared with 3 towns | A± · ExcellentBetter than 89% of MA townsAbility to pay: bottom 25% | Low | $5.0k | 6.1% | None | -9% | $350k | Low debt and solid savings (12% of budget); override vote unlikely, with room under the tax cap. |
| Beverly | C · FairBetter than 23% of MA townsAbility to pay: above the state median | Medium | $8.8k | 8.3% | None | -2% | $737k | Fair finances; typical savings (6.6% of budget); almost no room under the tax cap; an override vote possible. |
| Billerica | D · WeakBetter than 9% of MA townsAbility to pay: above the state median | Low | $7.5k | 5.0% | None | +7% | $700k | Thin savings (2.6% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| BlackstoneRegional district shared with 2 towns | B · SolidBetter than 65% of MA townsAbility to pay: bottom 25% | Medium | $6.8k | 7.3% | None | -9% | $500k | Low debt and solid savings (8.5% of budget); almost no room under the tax cap; an override vote possible. |
| BlandfordRegional district shared with 6 towns | B · SolidBetter than 78% of MA townsAbility to pay: below the state median | Low | $4.7k | 5.1% | None | -4% | $389k | Strong savings (15% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| BoltonRegional district shared with 3 towns | C · FairBetter than 38% of MA townsAbility to pay: top 25% | High | $15.6k | 7.6% | ✕ | -3% | $1.0M | Fair finances; below-typical savings (5.2% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| Boston | B · SolidBetter than 67% of MA townsAbility to pay: above the state median | Medium | $7.6k | 7.8% | None | -8% | $835k | Strong savings (13% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Bourne | B± · SolidBetter than 88% of MA townsAbility to pay: below the state median (income) | Medium | $6.1k | 6.7% | None | -7% | $668k | Low debt and solid savings (11% of budget); almost no room under the tax cap; an override vote possible. |
| BoxboroughRegional district shared with 2 towns | A± · ExcellentBetter than 90% of MA townsAbility to pay: top 25% | Medium | $14.4k | 9.9% | None | -4% | $944k | Low debt and solid savings (11% of budget); school costs outpacing the tax cap; an override vote possible. |
| Boxford | B · SolidBetter than 75% of MA townsAbility to pay: top 25% | Medium | $13.7k | 6.8% | ✕ | +3% | $947k | Low debt and solid savings (8.8% of budget); 4 override votes since 2016; an override vote possible. |
| BoylstonRegional district shared with 2 towns | C · FairBetter than 39% of MA townsAbility to pay: top 25% | Medium | $9.4k | 6.7% | None | +6% | $670k | Fair finances; below-typical savings (5.2% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Braintree | D · WeakBetter than 9% of MA townsAbility to pay: above the state median | High | $7.3k | 6.0% | ✕ | -7% | $715k | Below-typical savings (5.5% of budget vs 7.3% typical); override vote in 2024; another override vote likely. |
| BrewsterRegional district shared with 4 towns | B · SolidBetter than 67% of MA townsAbility to pay: top 25% (income) | High · routine | $6.5k | 6.3% | ✕ | -10% | $878k | Low debt and solid savings (7.9% of budget); 4 override votes since 2016; another routine override vote likely. |
| BridgewaterRegional district shared with 2 towns | C · FairBetter than 28% of MA townsAbility to pay: bottom 25% | High | $7.4k | 6.6% | ✕ | +3% | $650k | Fair finances; below-typical savings (4.8% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| BrimfieldRegional district shared with 5 towns | A± · ExcellentBetter than 92% of MA townsAbility to pay: below the state median | Low | $5.5k | 4.9% | None | -5% | $366k | Low debt and solid savings (12% of budget); override vote unlikely despite little room under the tax cap. |
| Brockton | F · Very weakBottom 1% of MA townsAbility to pay: bottom 10% | Medium | $5.6k | 7.0% | None | -4% | $500k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| Brookfield | B · SolidBetter than 61% of MA townsAbility to pay: bottom 25% | Low | $5.4k | 6.7% | None | +1% | $388k | Low debt and solid savings (7.3% of budget); override vote unlikely, with room under the tax cap. |
| Brookline | C · FairBetter than 25% of MA townsAbility to pay: top 5% | High | $26.2k | 18.5% | ✕ | +1% | $2.4M | Fair finances; below-typical savings (6.3% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| BucklandRegional district shared with 8 towns | C · FairBetter than 40% of MA townsAbility to pay: bottom 25% | High | $5.8k | 7.0% | ✕ | +4% | $325k | Fair finances; below-typical savings (5.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Burlington | A± · ExcellentBetter than 91% of MA townsAbility to pay: top 25% | Low | $7.1k | 4.9% | None | +2% | $850k | Strong savings (17% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Cambridge | C± · FairBetter than 45% of MA townsAbility to pay: top 10% | Low | $13.7k | 10.5% | None | +4% | $2.5M | Fair finances; heavy debt payments (9.3% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Canton | B · SolidBetter than 63% of MA townsAbility to pay: top 25% | Medium | $8.5k | 5.9% | None | +5% | $816k | Low debt and solid savings (8.2% of budget); little room under the tax cap; an override vote possible. |
| Carlisle | A · ExcellentBetter than 95% of MA townsAbility to pay: top 5% | Low | $17.4k | ≤7.0% | None | -1% | $1.4M | Low debt and solid savings (13% of budget); override vote unlikely, with room under the tax cap. |
| Carver | C · FairBetter than 16% of MA townsAbility to pay: below the state median | Medium | $7.4k | 8.2% | None | -3% | $613k | Below-typical savings (5.1% of budget); almost no room under the tax cap; an override vote possible. |
| CharlemontRegional district shared with 2 towns | C · FairBetter than 42% of MA townsAbility to pay: bottom 25% | Medium | $5.0k | 9.4% | ✕ | -25% | Too few sales | Below-typical savings (5.3% of budget); override vote in 2022 and school costs outpacing the tax cap; an override vote possible. |
| CharltonRegional district shared with 2 towns | B · SolidBetter than 64% of MA townsAbility to pay: below the state median | Medium | $5.3k | 4.5% | None | 0% | $515k | Low debt and solid savings (7.5% of budget); override vote in 2018; an override vote possible. |
| ChathamRegional district shared with 2 towns | B · SolidBetter than 74% of MA townsAbility to pay: top 10% (income) | Low | $6.4k | 7.5% | None | -6% | $1.4M | Low debt and solid savings (9.9% of budget); override vote unlikely, with room under the tax cap. |
| Chelmsford | D± · WeakBetter than 5% of MA townsAbility to pay: above the state median | High | $9.2k | 6.6% | None | +6% | $708k | Thin savings (2.6% of budget vs 7.3% typical); almost no room under the tax cap; another override vote likely. |
| Chelsea | A± · ExcellentBetter than 91% of MA townsAbility to pay: bottom 10% | Medium | $4.2k | 5.8% | None | -3% | $653k | Low debt and solid savings (12% of budget); almost no room under the tax cap; an override vote possible. |
| CheshireRegional district shared with 2 towns | B · SolidBetter than 69% of MA townsAbility to pay: bottom 10% | High | $3.6k | 5.1% | ✕ | -4% | $310k | Low debt and solid savings (8.1% of budget); override vote in 2024; another override vote likely. |
| ChesterRegional district shared with 6 towns | B± · SolidBetter than 49% of MA townsAbility to pay: bottom 10% | Low | $4.5k | 5.0% | None | -4% | $228k | Low debt and modest savings (6.2% of budget); override vote unlikely, with room under the tax cap. |
| ChesterfieldRegional district shared with 2 towns | B · SolidBetter than 81% of MA townsAbility to pay: below the state median | Low | $5.8k | 5.5% | None | +19% | $420k | Strong savings (33% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Chicopee | F · Very weakBetter than 3% of MA townsAbility to pay: bottom 10% | Medium | $4.6k | 7.3% | None | -3% | $315k | High debt; little room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| ChilmarkRegional district shared with 3 towns | B · SolidBetter than 63% of MA townsAbility to pay: top 5% (income) | High | $8.0k | 4.8% | ✕ | +2% | $2.2M | Low debt and solid savings (7.9% of budget); 6 override votes since 2016; another override vote likely. |
| Clarksburg | B · SolidBetter than 77% of MA townsAbility to pay: bottom 10% | High | $3.3k | 4.3% | None | +8% | $286k | Low debt and solid savings (10% of budget); almost no room under the tax cap; another override vote likely. |
| Clinton | C · FairBetter than 31% of MA townsAbility to pay: bottom 25% | Low | $6.0k | 6.7% | None | +12% | $440k | Fair finances; below-typical savings (4.7% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Cohasset | C · FairBetter than 18% of MA townsAbility to pay: top 5% | High | $16.8k | 8.4% | None | -4% | $1.6M | Thin savings (3.3% of budget); almost no room under the tax cap; another override vote likely. |
| ColrainRegional district shared with 8 towns | B · SolidBetter than 54% of MA townsAbility to pay: bottom 25% | Low | $4.8k | 5.9% | None | +5% | Too few sales | Low debt and modest savings (7.2% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Concord | B · SolidBetter than 80% of MA townsAbility to pay: top 5% | Low | $20.5k | 10.5% | None | -8% | $1.6M | Low debt and solid savings (10% of budget); override vote unlikely, with room under the tax cap. |
| Conway | B · SolidBetter than 73% of MA townsAbility to pay: below the state median | Low | $6.3k | 6.5% | None | +6% | $413k | Low debt and solid savings (9.1% of budget); override vote unlikely, with room under the tax cap. |
| CummingtonSmall town, figures volatile · Regional district shared with 7 towns | B · SolidBetter than 68% of MA townsAbility to pay: below the state median | Low | $4.6k | 4.4% | None | +1% | Too few sales | Low debt and solid savings (10% of budget); override vote unlikely, with room under the tax cap. |
| DaltonRegional district shared with 7 towns | B± · SolidBetter than 88% of MA townsAbility to pay: bottom 25% | Low | $6.0k | 7.6% | None | +1% | $285k | Low debt and solid savings (11% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Danvers | C · FairBetter than 38% of MA townsAbility to pay: above the state median | Medium | $7.8k | 6.2% | None | -4% | $744k | Fair finances; heavy debt payments (4.8% of budget); almost no room under the tax cap; an override vote possible. |
| Dartmouth | C± · FairBetter than 49% of MA townsAbility to pay: below the state median | Medium | $5.3k | 5.3% | None | -4% | $570k | Below-typical savings (6.1% of budget); almost no room under the tax cap; an override vote possible. |
| Dedham | F± · Very weakBetter than 4% of MA townsAbility to pay: top 25% | Low | $10.0k | 7.7% | None | 0% | $770k | Heavy debt payments (8.4% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Deerfield | B · SolidBetter than 68% of MA townsAbility to pay: above the state median | High | $6.3k | 5.9% | ✕ | -6% | $480k | Low debt and solid savings (9.5% of budget); override vote in 2026; another override vote likely. |
| DennisRegional district shared with 2 towns | B · SolidBetter than 69% of MA townsAbility to pay: above the state median (income) | High | $3.9k | 4.4% | ✕ | +7% | $715k | Low debt and solid savings (8.1% of budget); override vote in 2026; another override vote likely. |
| DightonRegional district shared with 2 towns | C± · FairBetter than 45% of MA townsAbility to pay: below the state median | Medium | $6.7k | 4.9% | None | -2% | $548k | Below-typical savings (5.8% of budget); almost no room under the tax cap; an override vote possible. |
| Douglas | B · SolidBetter than 80% of MA townsAbility to pay: below the state median | High | $6.3k | 4.1% | None | -6% | $535k | Low debt and solid savings (9.7% of budget); override vote in 2018; another override vote likely. |
| DoverRegional district shared with 2 towns | A · ExcellentBetter than 99% of MA townsAbility to pay: top 5% | Low | $19.1k | ≤7.6% | None | -7% | $1.7M | Strong savings (20% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Dracut | B · SolidBetter than 82% of MA townsAbility to pay: below the state median | Medium | $5.7k | 5.0% | None | -5% | $600k | Low debt and solid savings (11% of budget); almost no room under the tax cap; an override vote possible. |
| DudleyRegional district shared with 2 towns | C · FairBetter than 21% of MA townsAbility to pay: bottom 10% | High | $4.5k | 5.3% | ✕ | 0% | $430k | Fair finances; thin savings (3.9% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| DunstableRegional district shared with 2 towns | C± · FairBetter than 47% of MA townsAbility to pay: above the state median | High | $10.0k | 4.8% | ✕ | 0% | $895k | Fair finances; below-typical savings (6% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Duxbury | C · FairBetter than 25% of MA townsAbility to pay: top 10% | High | $13.0k | 7.3% | ✕ | -5% | $1.2M | Fair finances; thin savings (4.2% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| East Bridgewater | C± · FairBetter than 13% of MA townsAbility to pay: below the state median | High | $7.4k | 5.5% | None | -4% | $558k | Thin savings (3.3% of budget); almost no room under the tax cap; another override vote likely. |
| East BrookfieldRegional district shared with 2 towns | C · FairBetter than 37% of MA townsAbility to pay: bottom 25% | Medium | $5.0k | 6.2% | None | +8% | $423k | High debt; little room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| East Longmeadow | B · SolidBetter than 79% of MA townsAbility to pay: below the state median | Low | $8.1k | 7.6% | None | -2% | $388k | Low debt and solid savings (14% of budget); override vote unlikely, with room under the tax cap. |
| EasthamRegional district shared with 4 towns | B · SolidBetter than 76% of MA townsAbility to pay: below the state median (income) | High · routine | $6.7k | 9.1% | ✕ | -13% | $800k | Low debt and solid savings (14% of budget); 6 override votes since 2016; another routine override vote likely. |
| Easthampton | C · FairBetter than 33% of MA townsAbility to pay: bottom 25% | High | $5.6k | 7.8% | ✕ | -7% | $411k | Fair finances; below-typical savings (6.2% of budget vs 7.3% typical); override vote in 2026; another override vote likely. |
| Easton | D± · WeakBetter than 5% of MA townsAbility to pay: above the state median | High | $9.4k | 7.6% | ✕ | -3% | $721k | Thin savings (2.6% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Edgartown | A · ExcellentBetter than 99% of MA townsAbility to pay: top 5% (income) | High | $6.7k | 5.4% | ✕ | -4% | $2.3M | Strong savings (25% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| EgremontRegional district shared with 5 towns | B · SolidBetter than 74% of MA townsAbility to pay: top 25% (income) | High | $5.6k | 5.5% | ✕ | -8% | $845k | Low debt and solid savings (9.9% of budget); override vote in 2026; another override vote likely. |
| Erving | B · SolidBetter than 55% of MA townsAbility to pay: above the state median | High | $2.8k | 3.6% | ✕ | -4% | $326k | Low debt and modest savings (7.1% of budget); override vote in 2023; another override vote likely. |
| EssexRegional district shared with 2 towns | B · SolidBetter than 72% of MA townsAbility to pay: top 25% | High | $12.0k | 7.6% | ✕ | -8% | $775k | Low debt and solid savings (9.5% of budget); 3 override votes since 2016; another override vote likely. |
| Everett | C · FairBetter than 29% of MA townsAbility to pay: bottom 25% | Low | $5.9k | 6.9% | None | 0% | $655k | Fair finances; typical savings (6.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Fairhaven | B · SolidBetter than 57% of MA townsAbility to pay: above the state median | High | $4.4k | 4.6% | ✕ | -10% | $497k | Low debt and modest savings (7.1% of budget); 2 override votes since 2016; another override vote likely. |
| Fall River | F · Very weakBetter than 3% of MA townsAbility to pay: bottom 10% | Medium | $4.7k | 8.2% | None | +11% | $445k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| Falmouth | A · ExcellentBetter than 94% of MA townsAbility to pay: above the state median (income) | High | $5.9k | 6.3% | ✕ | -6% | $803k | Low debt and solid savings (12% of budget); 2 override votes since 2016; another override vote likely. |
| Fitchburg | F · Very weakBetter than 3% of MA townsAbility to pay: bottom 10% | Medium | $5.2k | 7.1% | None | +3% | $405k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| FloridaSmall town, figures volatile | B · SolidBetter than 82% of MA townsAbility to pay: below the state median | Low | $2.0k | 2.3% | None | -11% | $332k | Strong savings (22% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Foxborough | B · SolidBetter than 57% of MA townsAbility to pay: above the state median | Medium | $9.0k | 7.8% | None | 0% | $720k | Low debt and solid savings (8.9% of budget); almost no room under the tax cap; an override vote possible. |
| Framingham | C± · FairBetter than 14% of MA townsAbility to pay: below the state median | Low | $8.1k | 7.5% | None | -2% | $680k | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Franklin | C± · FairBetter than 13% of MA townsAbility to pay: above the state median | High | $8.4k | 5.7% | ✕ | -9% | $736k | Fair finances; thin savings (3.1% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| FreetownRegional district shared with 2 towns | B · SolidBetter than 73% of MA townsAbility to pay: below the state median | Medium | $5.5k | 3.8% | None | -3% | $590k | Low debt and solid savings (8.6% of budget); almost no room under the tax cap; an override vote possible. |
| Gardner | F · Very weakBottom 1% of MA townsAbility to pay: bottom 10% | High | $5.1k | 7.5% | None | +11% | $370k | High debt; override vote in 2018 and almost no room under the tax cap; another override vote likely. |
| Georgetown | C · FairBetter than 19% of MA townsAbility to pay: above the state median | High | $10.3k | 6.8% | ✕ | -12% | $733k | Fair finances; thin savings (3.6% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| GillRegional district shared with 2 towns | B · SolidBetter than 78% of MA townsAbility to pay: bottom 10% | Medium | $5.0k | 5.6% | None | +1% | $392k | Low debt and solid savings (10% of budget); almost no room under the tax cap; an override vote possible. |
| Gloucester | F · Very weakBetter than 1% of MA townsAbility to pay: above the state median | Medium | $9.5k | 11.3% | None | +1% | $696k | Thin savings (3% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| GoshenSmall town, figures volatile · Regional district shared with 2 towns | B · SolidBetter than 66% of MA townsAbility to pay: below the state median (income) | High | $5.1k | 5.1% | None | +17% | $483k | Low debt and solid savings (9% of budget); override vote in 2020; another override vote likely. |
| GosnoldSmall town, figures volatile | B · SolidBetter than 58% of MA townsAbility to pay: above the state median (income) | Medium | $3.4k | — | None | n/a | Too few sales | Strong savings (17% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Grafton | C · FairBetter than 23% of MA townsAbility to pay: above the state median | High | $9.1k | 6.9% | ✕ | 0% | $746k | Fair finances; below-typical savings (6.3% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Granby | B · SolidBetter than 62% of MA townsAbility to pay: below the state median | Medium | $6.4k | 5.3% | None | -11% | $383k | Low debt and solid savings (8.7% of budget); almost no room under the tax cap; an override vote possible. |
| GranvilleRegional district shared with 3 towns | A · ExcellentBetter than 94% of MA townsAbility to pay: below the state median | Low | $5.1k | 6.0% | None | -10% | $425k | Strong savings (21% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Great BarringtonRegional district shared with 3 towns | A · ExcellentBetter than 94% of MA townsAbility to pay: above the state median | High | $8.4k | 10.0% | ✕ | -7% | $599k | Strong savings (30% of budget); override vote in 2026 and little room under the tax cap; another override vote likely. |
| Greenfield | F · Very weakBetter than 2% of MA townsAbility to pay: bottom 10% | Medium | $6.1k | 10.9% | None | -14% | $331k | High debt; little room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| GrotonRegional district shared with 2 towns | C · FairBetter than 24% of MA townsAbility to pay: top 25% | High | $11.3k | 5.8% | ✕ | 0% | $805k | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| GrovelandRegional district shared with 3 towns | C · FairBetter than 37% of MA townsAbility to pay: above the state median | High | $8.8k | 6.2% | ✕ | +3% | $690k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); override vote in 2023; another override vote likely. |
| Hadley | C · FairBetter than 19% of MA townsAbility to pay: above the state median | High | $5.5k | 4.6% | ✕ | +1% | $552k | Fair finances; thin savings (4.3% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| HalifaxRegional district shared with 3 towns | C · FairBetter than 28% of MA townsAbility to pay: below the state median | Medium | $7.5k | 6.3% | None | -6% | $568k | Thin savings (4.3% of budget); almost no room under the tax cap; an override vote possible. |
| HamiltonRegional district shared with 2 towns | A · ExcellentBetter than 93% of MA townsAbility to pay: above the state median | High | $13.1k | 10.1% | ✕ | +1% | $860k | Low debt and solid savings (12% of budget); override vote in 2026; another override vote likely. |
| HampdenRegional district shared with 2 towns | B · SolidBetter than 60% of MA townsAbility to pay: below the state median | Low | $7.0k | 6.7% | None | -1% | $419k | Low debt and modest savings (7.2% of budget); override vote unlikely, with room under the tax cap. |
| HancockSmall town, figures volatile | B · SolidBetter than 68% of MA townsAbility to pay: bottom 25% (income) | Low | $0.8k | 0.9% | None | -23% | $378k | Low debt and solid savings (10% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Hanover | C · FairBetter than 31% of MA townsAbility to pay: top 25% | Medium | $10.1k | 5.3% | ✕ | -7% | $830k | Fair finances; below-typical savings (4.6% of budget vs 7.3% typical); 2 override votes since 2016; an override vote possible. |
| HansonRegional district shared with 2 towns | B · SolidBetter than 62% of MA townsAbility to pay: above the state median | High | $7.1k | 5.4% | ✕ | -4% | $627k | Low debt and solid savings (7.3% of budget); 4 override votes since 2016; another override vote likely. |
| HardwickRegional district shared with 5 towns | D · WeakBetter than 10% of MA townsAbility to pay: bottom 10% | Medium | $4.9k | 6.5% | None | +2% | $361k | Thin savings (1.8% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Harvard | D± · WeakBetter than 11% of MA townsAbility to pay: top 25% | High | $14.6k | 6.8% | ✕ | 0% | $1.0M | Thin savings (3.9% of budget vs 7.3% typical); 4 override votes since 2016; another override vote likely. |
| HarwichRegional district shared with 2 towns | C · FairBetter than 40% of MA townsAbility to pay: above the state median (income) | Medium | $5.9k | 6.1% | None | -6% | $827k | Below-typical savings (5.3% of budget); almost no room under the tax cap; an override vote possible. |
| Hatfield | C± · FairBetter than 45% of MA townsAbility to pay: below the state median | High | $6.7k | 7.6% | ✕ | -24% | $465k | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Haverhill | D · WeakBetter than 10% of MA townsAbility to pay: bottom 25% | Medium | $6.0k | 6.7% | None | 0% | $575k | Thin savings (3.7% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| HawleySmall town, figures volatile · Regional district shared with 8 towns | C± · FairBetter than 48% of MA townsAbility to pay: below the state median | Low | $4.6k | 5.3% | None | -17% | Too few sales | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| HeathSmall town, figures volatile · Regional district shared with 8 towns | D · WeakBetter than 12% of MA townsAbility to pay: below the state median (income) | Low | $5.1k | 5.1% | None | +6% | $235k | Reserves ran negative recently; override vote unlikely, with room under the tax cap. |
| Hingham | B± · SolidBetter than 86% of MA townsAbility to pay: top 10% | High | $14.3k | 8.0% | ✕ | -8% | $1.4M | Strong savings (21% of budget vs 7.3% typical); override vote in 2023; another override vote likely. |
| HinsdaleRegional district shared with 7 towns | C · FairBetter than 41% of MA townsAbility to pay: below the state median | Low | $4.4k | 5.6% | None | +1% | $310k | Fair finances; below-typical savings (5.3% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Holbrook | B · SolidBetter than 56% of MA townsAbility to pay: below the state median | Low | $6.5k | 5.6% | None | +4% | $534k | Low debt and solid savings (8.9% of budget); override vote unlikely, with room under the tax cap. |
| HoldenRegional district shared with 5 towns | B± · SolidBetter than 53% of MA townsAbility to pay: below the state median | High | $7.5k | 5.3% | ✕ | -2% | $646k | Low debt and solid savings (9% of budget); override vote in 2026; another override vote likely. |
| Holland | C± · FairBetter than 49% of MA townsAbility to pay: below the state median | Low | $4.6k | 5.1% | None | +4% | $385k | Fair finances; below-typical savings (6.1% of budget vs 7.3% typical); override vote unlikely despite little room under the tax cap. |
| Holliston | C · FairBetter than 21% of MA townsAbility to pay: above the state median | Medium | $10.6k | 6.6% | ✕ | -3% | $745k | Thin savings (3.5% of budget); override vote in 2024 and little room under the tax cap; an override vote possible. |
| Holyoke | F · Very weakBetter than 1% of MA townsAbility to pay: bottom 10% | Medium | $5.3k | 9.9% | None | -10% | $307k | Thin savings (0.6% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Hopedale | D · WeakBetter than 10% of MA townsAbility to pay: below the state median | High | $8.8k | 7.6% | ✕ | +1% | $570k | Thin savings (2.3% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Hopkinton | A± · ExcellentBetter than 89% of MA townsAbility to pay: top 25% | Medium | $14.0k | 6.3% | None | +8% | $1.2M | Low debt and solid savings (13% of budget); little room under the tax cap; an override vote possible. |
| HubbardstonRegional district shared with 5 towns | C · FairBetter than 23% of MA townsAbility to pay: below the state median | High | $4.9k | 4.0% | None | +1% | $470k | Fair finances; thin savings (3.8% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Hudson | B± · SolidBetter than 52% of MA townsAbility to pay: below the state median | Medium | $8.6k | 8.3% | ✕ | -5% | $600k | Low debt and solid savings (8.1% of budget); override vote in 2025; an override vote possible. |
| Hull | C · FairBetter than 26% of MA townsAbility to pay: top 25% | Medium | $7.8k | 6.7% | None | -14% | $715k | Fair finances; high debt for its property value; almost no room under the tax cap; an override vote possible. |
| HuntingtonRegional district shared with 6 towns | B · SolidBetter than 56% of MA townsAbility to pay: bottom 25% | High | $4.7k | 5.0% | ✕ | -4% | $350k | Low debt and modest savings (7.1% of budget); override vote in 2022; another override vote likely. |
| Ipswich | C · FairBetter than 36% of MA townsAbility to pay: top 25% | High | $9.7k | 7.0% | ✕ | -5% | $943k | Fair finances; below-typical savings (6.4% of budget vs 7.3% typical); override vote in 2022; another override vote likely. |
| Kingston | C · FairBetter than 26% of MA townsAbility to pay: above the state median | High | $8.7k | 7.3% | None | +2% | $775k | Below-typical savings (5.3% of budget); almost no room under the tax cap; another override vote likely. |
| LakevilleRegional district shared with 2 towns | B± · SolidBetter than 51% of MA townsAbility to pay: above the state median | High | $6.1k | 4.6% | ✕ | -4% | $618k | Low debt and modest savings (6.3% of budget); override vote in 2026; another override vote likely. |
| LancasterRegional district shared with 3 towns | B · SolidBetter than 72% of MA townsAbility to pay: below the state median | High | $9.4k | 7.0% | ✕ | -3% | $633k | Low debt and solid savings (8.4% of budget); override vote in 2023; another override vote likely. |
| LanesboroughRegional district shared with 2 towns | B · SolidBetter than 79% of MA townsAbility to pay: below the state median | Low | $6.1k | 7.1% | None | +5% | $327k | Low debt and solid savings (9.4% of budget); override vote unlikely, with room under the tax cap. |
| Lawrence | D · WeakBetter than 6% of MA townsAbility to pay: bottom 10% | Low | $4.1k | 6.9% | None | +2% | $517k | High debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| Lee | A · ExcellentBetter than 96% of MA townsAbility to pay: above the state median | Low | $4.8k | 5.7% | None | -5% | $419k | Strong savings (47% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Leicester | C · FairBetter than 40% of MA townsAbility to pay: bottom 25% | Medium | $5.0k | 4.8% | None | -4% | $430k | Below-typical savings (5.4% of budget); almost no room under the tax cap; an override vote possible. |
| Lenox | A · ExcellentBetter than 97% of MA townsAbility to pay: above the state median | Low | $6.6k | 6.2% | None | 0% | $610k | Strong savings (41% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Leominster | C · FairBetter than 42% of MA townsAbility to pay: bottom 25% | Low | $6.5k | 7.7% | None | +6% | $487k | Fair finances; typical savings (7.2% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Leverett | A± · ExcellentBetter than 90% of MA townsAbility to pay: above the state median | Low | $7.9k | 7.5% | None | +4% | $548k | Low debt and solid savings (12% of budget); override vote unlikely, with room under the tax cap. |
| Lexington | C± · FairBetter than 47% of MA townsAbility to pay: top 5% | High | $20.4k | 8.6% | None | -5% | $1.9M | Fair finances; typical savings (7% of budget); almost no room under the tax cap; another override vote likely. |
| LeydenSmall town, figures volatile · Regional district shared with 3 towns | B · SolidBetter than 56% of MA townsAbility to pay: bottom 25% | Low | $5.1k | 4.8% | None | -7% | Too few sales | Low debt and solid savings (7.5% of budget); override vote unlikely, with room under the tax cap. |
| Lincoln | B · SolidBetter than 82% of MA townsAbility to pay: top 10% | High | $20.7k | 11.8% | None | -9% | $1.7M | Strong savings (24% of budget vs 7.3% typical); almost no room under the tax cap; another override vote likely. |
| Littleton | B · SolidBetter than 78% of MA townsAbility to pay: above the state median | Medium | $10.8k | 7.2% | None | +5% | $835k | Strong savings (16% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Longmeadow | D± · WeakBetter than 11% of MA townsAbility to pay: above the state median | High | $10.9k | 7.3% | None | -2% | $485k | Thin savings (3.9% of budget vs 7.3% typical); almost no room under the tax cap; another override vote likely. |
| Lowell | F · Very weakBetter than 2% of MA townsAbility to pay: bottom 10% | Low | $5.8k | 7.4% | None | +2% | $515k | Thin savings (3.1% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Ludlow | C · FairBetter than 32% of MA townsAbility to pay: bottom 25% | Low | $5.9k | 7.0% | None | -9% | $340k | Fair finances; below-typical savings (5.3% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Lunenburg | C · FairBetter than 23% of MA townsAbility to pay: below the state median | High | $7.4k | 6.6% | ✕ | -1% | $538k | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Lynn | C · FairBetter than 29% of MA townsAbility to pay: bottom 10% | Medium | $6.0k | 8.0% | None | +2% | $590k | Below-typical savings (4.6% of budget); almost no room under the tax cap; an override vote possible. |
| Lynnfield | C · FairBetter than 22% of MA townsAbility to pay: top 25% | High | $12.4k | 7.1% | ✕ | 0% | $1.1M | Fair finances; thin savings (3.8% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| Malden | B · SolidBetter than 80% of MA townsAbility to pay: bottom 25% | High | $5.0k | 4.9% | ✕ | 0% | $720k | Low debt and solid savings (11% of budget); override vote in 2026; another override vote likely. |
| Manchester By The SeaRegional district shared with 2 towns | B · SolidBetter than 65% of MA townsAbility to pay: top 5% | Medium | $16.4k | 7.9% | None | -8% | $1.1M | Low debt and solid savings (7.6% of budget); little room under the tax cap; an override vote possible. |
| Mansfield | C± · FairBetter than 15% of MA townsAbility to pay: above the state median | High | $9.0k | 7.2% | ✕ | -7% | $735k | Fair finances; thin savings (3.7% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| Marblehead | B · SolidBetter than 58% of MA townsAbility to pay: top 5% | High | $11.1k | 6.1% | ✕ | -11% | $1.1M | Low debt and solid savings (7.7% of budget); 3 override votes since 2016; another override vote likely. |
| Marion | B · SolidBetter than 81% of MA townsAbility to pay: top 10% | High | $8.9k | 6.2% | None | -10% | $1.0M | Low debt and solid savings (11% of budget); override vote in 2019; another override vote likely. |
| Marlborough | C± · FairBetter than 13% of MA townsAbility to pay: below the state median | Low | $6.4k | 7.0% | None | -6% | $608k | Fair finances; below-typical savings (6.2% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Marshfield | C · FairBetter than 29% of MA townsAbility to pay: above the state median | Medium | $7.7k | 6.1% | None | -5% | $805k | Below-typical savings (5.7% of budget); almost no room under the tax cap; an override vote possible. |
| Mashpee | A · ExcellentBetter than 99% of MA townsAbility to pay: above the state median (income) | High | $6.3k | 6.7% | ✕ | -7% | $805k | Strong savings (16% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Mattapoisett | B · SolidBetter than 75% of MA townsAbility to pay: top 25% | Medium | $8.2k | 6.3% | None | -9% | $810k | Low debt and solid savings (9.1% of budget); almost no room under the tax cap; an override vote possible. |
| Maynard | D · WeakBetter than 7% of MA townsAbility to pay: above the state median | High | $10.1k | 8.1% | ✕ | +3% | $605k | Thin savings (2.6% of budget); override vote in 2025 and little room under the tax cap; another override vote likely. |
| Medfield | B± · SolidBetter than 54% of MA townsAbility to pay: top 25% | High | $13.9k | 5.9% | ✕ | -3% | $1.2M | Low debt and modest savings (7.1% of budget); 3 override votes since 2016; another override vote likely. |
| Medford | A · ExcellentBetter than 96% of MA townsAbility to pay: above the state median | High | $7.4k | 5.7% | ✕ | +5% | $903k | Low debt and solid savings (14% of budget); override vote in 2024; another override vote likely. |
| Medway | C · FairBetter than 35% of MA townsAbility to pay: top 25% | Medium | $9.8k | 5.6% | None | +3% | $791k | Fair finances; high debt for its property value; almost no room under the tax cap; an override vote possible. |
| Melrose | C · FairBetter than 26% of MA townsAbility to pay: above the state median | High | $9.8k | 7.3% | ✕ | +1% | $905k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| MendonRegional district shared with 2 towns | B · SolidBetter than 60% of MA townsAbility to pay: below the state median | High | $8.8k | 6.6% | ✕ | -5% | $800k | Low debt and modest savings (7.2% of budget); 4 override votes since 2016; another override vote likely. |
| MerrimacRegional district shared with 3 towns | D± · WeakBetter than 11% of MA townsAbility to pay: below the state median | High | $8.8k | 7.1% | ✕ | +3% | $700k | Thin savings (2.4% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Methuen | B · SolidBetter than 70% of MA townsAbility to pay: bottom 25% | Medium | $6.0k | 5.3% | None | -2% | $605k | Low debt and solid savings (10% of budget); almost no room under the tax cap; an override vote possible. |
| Middleborough | F · Very weakBetter than 4% of MA townsAbility to pay: bottom 25% | Medium | $7.0k | 7.2% | None | -2% | $572k | Thin savings (2.4% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| MiddlefieldSmall town, figures volatile · Regional district shared with 6 towns | B · SolidBetter than 72% of MA townsAbility to pay: above the state median | Low | $4.4k | 4.2% | None | -4% | Too few sales | Low debt and solid savings (14% of budget); override vote unlikely, with room under the tax cap. |
| Middleton | B · SolidBetter than 82% of MA townsAbility to pay: top 25% | High | $12.2k | 7.3% | ✕ | -2% | $1.1M | Strong savings (14% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Milford | D · WeakBetter than 8% of MA townsAbility to pay: bottom 25% | Low | $6.7k | 7.0% | None | +1% | $560k | High debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| Millbury | C · FairBetter than 26% of MA townsAbility to pay: below the state median | Medium | $6.5k | 5.5% | None | +2% | $513k | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Millis | C · FairBetter than 41% of MA townsAbility to pay: above the state median | High | $10.2k | 6.6% | ✕ | +1% | $708k | Fair finances; typical savings (7.8% of budget); override vote in 2024; another override vote likely. |
| MillvilleRegional district shared with 2 towns | B± · SolidBetter than 50% of MA townsAbility to pay: bottom 25% | High | $5.8k | 4.5% | None | -9% | $531k | Low debt and modest savings (6.2% of budget); 2 override votes since 2016; another override vote likely. |
| Milton | C · FairBetter than 19% of MA townsAbility to pay: top 25% | High | $12.8k | 6.8% | ✕ | 0% | $995k | Fair finances; thin savings (3.2% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| MonroeSmall town, figures volatile | B · SolidBetter than 55% of MA townsAbility to pay: above the state median | Low | $1.9k | — | None | -3% | $267k | Strong savings (18% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Monson | C · FairBetter than 35% of MA townsAbility to pay: bottom 25% | Medium | $5.3k | 5.4% | None | -5% | $397k | Fair finances; typical savings (6.5% of budget); little room under the tax cap; an override vote possible. |
| MontagueRegional district shared with 2 towns | C± · FairBetter than 14% of MA townsAbility to pay: bottom 10% | Low | $4.9k | 7.0% | None | +1% | $335k | Fair finances; thin savings (3.6% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| MontereyRegional district shared with 5 towns | B± · SolidBetter than 52% of MA townsAbility to pay: top 10% (income) | Low | $5.8k | 3.8% | ✕ | -8% | $700k | Low debt and modest savings (6.7% of budget); last override vote 2025; another unlikely. |
| MontgomerySmall town, figures volatile · Regional district shared with 6 towns | B · SolidBetter than 83% of MA townsAbility to pay: below the state median | Low | $4.8k | 3.9% | None | -4% | $431k | Strong savings (22% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Mount WashingtonSmall town, figures volatile | B · SolidBetter than 61% of MA townsAbility to pay: above the state median (income) | Low | $3.7k | 2.6% | None | n/a | Too few sales | Low debt and solid savings (11% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Nahant | C · FairBetter than 42% of MA townsAbility to pay: top 10% | High | $9.7k | 8.6% | None | +19% | $1.1M | Fair finances; below-typical savings (6.2% of budget vs 7.3% typical); override vote in 2019; another override vote likely. |
| Nantucket | A± · ExcellentBetter than 90% of MA townsAbility to pay: top 25% (income) | High | $9.9k | 7.1% | ✕ | -1% | $3.3M | Low debt and solid savings (12% of budget); 2 override votes since 2016; another override vote likely. |
| Natick | C · FairBetter than 27% of MA townsAbility to pay: top 25% | High | $11.4k | 8.2% | ✕ | 0% | $988k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| Needham | B± · SolidBetter than 49% of MA townsAbility to pay: top 10% | Low | $16.7k | 7.8% | None | -1% | $1.8M | Low debt and solid savings (9% of budget); override vote unlikely despite little room under the tax cap. |
| New AshfordSmall town, figures volatile | B · SolidBetter than 70% of MA townsAbility to pay: below the state median | Low | $2.8k | 2.7% | None | n/a | Too few sales | Strong savings (107% of budget vs 7.3% typical); last override vote 2018; another unlikely. |
| New Bedford | F · Very weakBetter than 1% of MA townsAbility to pay: bottom 10% | Low | $4.7k | 8.2% | None | 0% | $415k | Thin savings (1.9% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| New BraintreeSmall town, figures volatile · Regional district shared with 5 towns | B± · SolidBetter than 50% of MA townsAbility to pay: bottom 25% | Low | $5.9k | 5.9% | None | +2% | Too few sales | Low debt and modest savings (6.3% of budget); override vote unlikely, with room under the tax cap. |
| New MarlboroughRegional district shared with 5 towns | A± · ExcellentBetter than 92% of MA townsAbility to pay: above the state median (income) | Medium | $5.0k | 4.3% | None | -8% | $559k | Strong savings (15% of budget vs 7.3% typical); 2 override votes since 2016; an override vote possible. |
| New SalemRegional district shared with 2 towns | B± · SolidBetter than 87% of MA townsAbility to pay: bottom 25% | Low | $5.0k | 6.2% | None | +2% | Too few sales | Strong savings (29% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| NewburyRegional district shared with 3 towns | A± · ExcellentBetter than 93% of MA townsAbility to pay: top 25% | High | $7.2k | 4.1% | ✕ | -4% | $993k | Low debt and solid savings (12% of budget); 2 override votes since 2016; another override vote likely. |
| Newburyport | C± · FairBetter than 14% of MA townsAbility to pay: top 25% | High | $10.2k | 7.3% | None | -1% | $1.1M | Thin savings (3.6% of budget); almost no room under the tax cap; another override vote likely. |
| Newton | C± · FairBetter than 15% of MA townsAbility to pay: top 5% | High | $17.1k | 9.0% | ✕ | -5% | $1.8M | Fair finances; thin savings (4.1% of budget vs 7.3% typical); override vote in 2023; another override vote likely. |
| Norfolk | C · FairBetter than 34% of MA townsAbility to pay: above the state median | High | $11.7k | 5.8% | None | 0% | $855k | Below-typical savings (5.7% of budget); almost no room under the tax cap; another override vote likely. |
| North Adams | D · WeakBetter than 8% of MA townsAbility to pay: bottom 10% | Medium | $3.9k | 8.2% | None | -12% | $254k | Thin savings (1.5% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| North Andover | B · SolidBetter than 65% of MA townsAbility to pay: above the state median | Low | $9.5k | 6.8% | None | -3% | $872k | Low debt and solid savings (8.1% of budget); override vote unlikely, with room under the tax cap. |
| North Attleborough | C · FairBetter than 20% of MA townsAbility to pay: below the state median | High | $6.9k | 6.2% | None | -4% | $600k | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); override vote in 2018; another override vote likely. |
| North Brookfield | C · FairBetter than 39% of MA townsAbility to pay: bottom 25% | Medium | $4.8k | 6.0% | None | -21% | $393k | Fair finances; below-typical savings (6.3% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| North Reading | B · SolidBetter than 70% of MA townsAbility to pay: top 25% | High | $11.5k | 7.8% | ✕ | +1% | $921k | Low debt and solid savings (9.6% of budget); override vote in 2024; another override vote likely. |
| Northampton | B · SolidBetter than 60% of MA townsAbility to pay: below the state median | High | $7.8k | 9.7% | None | -7% | $555k | Low debt and solid savings (8.4% of budget); override vote in 2020; another override vote likely. |
| Northborough | C± · FairBetter than 47% of MA townsAbility to pay: top 25% | Medium | $10.5k | 6.8% | None | -1% | $740k | Fair finances; below-typical savings (6% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Northbridge | C · FairBetter than 30% of MA townsAbility to pay: below the state median | High | $5.9k | 5.3% | ✕ | -6% | $550k | Fair finances; below-typical savings (6.4% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| NorthfieldRegional district shared with 3 towns | B · SolidBetter than 66% of MA townsAbility to pay: below the state median | Low | $4.5k | 4.4% | None | -5% | $407k | Low debt and solid savings (7.7% of budget); override vote unlikely, with room under the tax cap. |
| Norton | C · FairBetter than 23% of MA townsAbility to pay: below the state median | Medium | $7.4k | 5.9% | None | -3% | $626k | Fair finances; typical savings (6.7% of budget); almost no room under the tax cap; an override vote possible. |
| Norwell | B · SolidBetter than 60% of MA townsAbility to pay: top 25% | High | $13.7k | 7.2% | ✕ | 0% | $1.3M | Low debt and solid savings (7.4% of budget); override vote in 2025; another override vote likely. |
| Norwood | B · SolidBetter than 62% of MA townsAbility to pay: above the state median | High | $7.1k | 6.6% | ✕ | +3% | $725k | Low debt and solid savings (14% of budget); 2 override votes since 2016; another override vote likely. |
| Oak Bluffs | B± · SolidBetter than 87% of MA townsAbility to pay: top 25% (income) | High | $7.0k | 4.8% | ✕ | -3% | $1.2M | Low debt and solid savings (11% of budget); 2 override votes since 2016; another override vote likely. |
| OakhamRegional district shared with 5 towns | C± · FairBetter than 46% of MA townsAbility to pay: below the state median | High | $4.9k | 4.8% | None | +2% | $500k | Fair finances; below-typical savings (5.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Orange | D± · WeakBetter than 5% of MA townsAbility to pay: bottom 10% | High | $4.9k | 8.8% | ✕ | 0% | $301k | Thin savings (3.9% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| OrleansRegional district shared with 4 towns | B · SolidBetter than 68% of MA townsAbility to pay: top 25% (income) | High · routine | $9.0k | 8.8% | ✕ | -17% | $1.2M | Low debt and solid savings (9.3% of budget); 9 override votes since 2016; another routine override vote likely. |
| OtisRegional district shared with 2 towns | C · FairBetter than 42% of MA townsAbility to pay: above the state median (income) | Low | $3.4k | 3.1% | None | -2% | $470k | Fair finances; heavy debt payments (10% of budget); override vote unlikely, with room under the tax cap. |
| Oxford | C · FairBetter than 38% of MA townsAbility to pay: bottom 25% | High | $5.2k | 5.0% | ✕ | -2% | $460k | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Palmer | B · SolidBetter than 56% of MA townsAbility to pay: bottom 10% | Low | $5.0k | 6.4% | None | -8% | $334k | Low debt and solid savings (7.5% of budget); override vote unlikely despite little room under the tax cap. |
| PaxtonRegional district shared with 5 towns | C · FairBetter than 21% of MA townsAbility to pay: below the state median | High | $8.0k | 6.0% | ✕ | -2% | $558k | Fair finances; thin savings (3.5% of budget vs 7.3% typical); 8 override votes since 2016; another override vote likely. |
| Peabody | C · FairBetter than 17% of MA townsAbility to pay: below the state median | Low | $6.4k | 6.6% | None | -1% | $675k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| PelhamRegional district shared with 4 towns | B · SolidBetter than 83% of MA townsAbility to pay: below the state median | Low | $9.2k | 8.1% | None | +4% | $480k | Low debt and solid savings (13% of budget); override vote unlikely, with room under the tax cap. |
| Pembroke | C · FairBetter than 29% of MA townsAbility to pay: above the state median | High | $7.5k | 5.1% | ✕ | -10% | $650k | Fair finances; below-typical savings (4.8% of budget vs 7.3% typical); override vote in 2026; another override vote likely. |
| PepperellRegional district shared with 3 towns | C · FairBetter than 22% of MA townsAbility to pay: below the state median | High | $7.6k | 6.1% | ✕ | -3% | $625k | Fair finances; thin savings (3.8% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| PeruSmall town, figures volatile · Regional district shared with 7 towns | B · SolidBetter than 70% of MA townsAbility to pay: bottom 25% | Low | $4.7k | 5.2% | None | +1% | $309k | Low debt and solid savings (10% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Petersham | C · FairBetter than 19% of MA townsAbility to pay: below the state median | Medium | $5.7k | 5.2% | None | 0% | $409k | Fair finances; thin savings (1.7% of budget vs 7.3% typical); school costs outpacing the tax cap; an override vote possible. |
| PhillipstonRegional district shared with 2 towns | B± · SolidBetter than 84% of MA townsAbility to pay: below the state median | High | $4.7k | 5.0% | ✕ | +3% | $456k | Low debt and solid savings (12% of budget); 3 override votes since 2016; another override vote likely. |
| Pittsfield | F · Very weakBetter than 1% of MA townsAbility to pay: bottom 25% | Medium | $5.5k | 7.8% | None | -7% | $305k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; an override vote possible. |
| PlainfieldSmall town, figures volatile · Regional district shared with 8 towns | B± · SolidBetter than 51% of MA townsAbility to pay: bottom 25% | Low | $4.8k | 7.6% | None | +3% | $358k | Low debt and modest savings (6.7% of budget); override vote unlikely, with room under the tax cap. |
| Plainville | D · WeakBetter than 6% of MA townsAbility to pay: above the state median | High | $7.0k | 6.7% | None | -2% | $614k | Below-typical savings (5.4% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Plymouth | C · FairBetter than 33% of MA townsAbility to pay: above the state median | Low | $7.7k | 6.6% | None | -4% | $655k | Fair finances; typical savings (6.5% of budget); override vote unlikely despite little room under the tax cap. |
| Plympton | C± · FairBetter than 15% of MA townsAbility to pay: above the state median | Medium | $9.0k | 7.1% | None | +11% | $672k | Fair finances; thin savings (2.9% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| PrincetonRegional district shared with 5 towns | B · SolidBetter than 71% of MA townsAbility to pay: above the state median | Medium | $8.1k | 5.1% | None | -2% | $626k | Low debt and solid savings (8.3% of budget); little room under the tax cap; an override vote possible. |
| Provincetown | B · SolidBetter than 63% of MA townsAbility to pay: top 5% (income) | High · routine | $11.2k | 8.2% | ✕ | +4% | $2.0M | Low debt and solid savings (8.3% of budget); 6 override votes since 2016; another routine override vote likely. |
| Quincy | F · Very weakBottom 1% of MA townsAbility to pay: above the state median | Low | $8.3k | 8.3% | None | +1% | $720k | High debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| Randolph | B · SolidBetter than 73% of MA townsAbility to pay: below the state median | Medium | $6.3k | 5.8% | None | +8% | $575k | Low debt and solid savings (10% of budget); almost no room under the tax cap; an override vote possible. |
| RaynhamRegional district shared with 2 towns | B · SolidBetter than 76% of MA townsAbility to pay: above the state median | High | $7.3k | 5.9% | ✕ | +4% | $625k | Low debt and solid savings (9% of budget); override vote in 2025; another override vote likely. |
| Reading | A · ExcellentBetter than 98% of MA townsAbility to pay: top 25% | High | $10.3k | 6.2% | None | -2% | $890k | Strong savings (15% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| RehobothRegional district shared with 2 towns | B± · SolidBetter than 52% of MA townsAbility to pay: below the state median | High | $6.6k | 4.8% | None | -2% | $650k | Low debt and modest savings (6.5% of budget); override vote in 2018; another override vote likely. |
| Revere | F · Very weakBetter than 2% of MA townsAbility to pay: bottom 25% | Medium | $5.6k | 6.4% | None | -3% | $650k | Thin savings (1.5% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Richmond | C · FairBetter than 25% of MA townsAbility to pay: top 10% | High | $6.6k | 6.2% | ✕ | +3% | $485k | Thin savings (4.2% of budget); override vote in 2026 and little room under the tax cap; another override vote likely. |
| Rochester | B · SolidBetter than 62% of MA townsAbility to pay: above the state median | Medium | $6.7k | 5.6% | None | -6% | $681k | Low debt and solid savings (7.4% of budget); almost no room under the tax cap; an override vote possible. |
| Rockland | C · FairBetter than 29% of MA townsAbility to pay: below the state median | High | $7.6k | 6.8% | None | -2% | $561k | Below-typical savings (6% of budget); almost no room under the tax cap; another override vote likely. |
| Rockport | B± · SolidBetter than 54% of MA townsAbility to pay: top 25% | High | $8.5k | 8.9% | None | -17% | $880k | Low debt and modest savings (6.9% of budget); override vote in 2021; another override vote likely. |
| RoweSmall town, figures volatile | C · FairBetter than 44% of MA townsAbility to pay: above the state median | Low | $1.7k | 2.4% | None | -19% | Too few sales | Fair finances; below-typical savings (6.4% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| RowleyRegional district shared with 3 towns | B · SolidBetter than 60% of MA townsAbility to pay: top 25% | High | $9.2k | 7.0% | ✕ | -4% | $818k | Low debt and solid savings (10% of budget); 2 override votes since 2016; another override vote likely. |
| RoyalstonRegional district shared with 2 towns | B · SolidBetter than 57% of MA townsAbility to pay: bottom 25% | High | $3.5k | 3.4% | ✕ | +9% | $340k | Low debt and solid savings (7.5% of budget); 4 override votes since 2016; another override vote likely. |
| RussellRegional district shared with 6 towns | A · ExcellentBetter than 94% of MA townsAbility to pay: below the state median | Low | $5.9k | 5.4% | None | -4% | $390k | Strong savings (36% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| RutlandRegional district shared with 5 towns | C · FairBetter than 34% of MA townsAbility to pay: bottom 25% | High | $6.6k | 4.6% | ✕ | -2% | $550k | Fair finances; below-typical savings (4.8% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Salem | C · FairBetter than 24% of MA townsAbility to pay: below the state median | Low | $7.3k | 8.6% | None | +5% | $695k | Fair finances; typical savings (7.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| SalisburyRegional district shared with 3 towns | C · FairBetter than 17% of MA townsAbility to pay: above the state median | High | $6.1k | 6.6% | None | -4% | $662k | Fair finances; thin savings (3.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| SandisfieldSmall town, figures volatile · Regional district shared with 2 towns | B± · SolidBetter than 86% of MA townsAbility to pay: bottom 25% (income) | Low | $3.5k | 3.8% | None | -2% | $539k | Strong savings (21% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Sandwich | C · FairBetter than 27% of MA townsAbility to pay: above the state median (income) | Low | $7.8k | 6.4% | None | -8% | $740k | Fair finances; below-typical savings (4.5% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Saugus | B · SolidBetter than 76% of MA townsAbility to pay: below the state median | Medium | $7.1k | 7.0% | None | +14% | $685k | Low debt and solid savings (14% of budget); almost no room under the tax cap; an override vote possible. |
| SavoySmall town, figures volatile | B± · SolidBetter than 52% of MA townsAbility to pay: bottom 25% | Low | $4.0k | 6.5% | None | -14% | $330k | Low debt and modest savings (6.9% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Scituate | C · FairBetter than 33% of MA townsAbility to pay: top 25% | Medium | $10.2k | 7.5% | None | -4% | $928k | Below-typical savings (6.4% of budget); almost no room under the tax cap; an override vote possible. |
| Seekonk | C± · FairBetter than 47% of MA townsAbility to pay: below the state median | Medium | $6.9k | 5.7% | None | -1% | $565k | Below-typical savings (6% of budget); almost no room under the tax cap; an override vote possible. |
| Sharon | C · FairBetter than 38% of MA townsAbility to pay: top 25% | Low | $14.4k | 7.5% | None | -3% | $850k | Fair finances; high debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| SheffieldRegional district shared with 5 towns | A · ExcellentBetter than 97% of MA townsAbility to pay: above the state median | Low | $5.8k | 6.3% | None | -8% | $393k | Strong savings (14% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| ShelburneRegional district shared with 8 towns | B± · SolidBetter than 51% of MA townsAbility to pay: below the state median | Low | $5.1k | 6.2% | None | +4% | $506k | Low debt and modest savings (6.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| SherbornRegional district shared with 2 towns | B · SolidBetter than 74% of MA townsAbility to pay: top 5% | Low | $20.0k | ≤8.0% | None | -5% | $1.4M | Low debt and solid savings (9% of budget); override vote unlikely, with room under the tax cap. |
| ShirleyRegional district shared with 2 towns | C± · FairBetter than 13% of MA townsAbility to pay: bottom 25% | Medium | $6.5k | 5.3% | None | +4% | $601k | Thin savings (2.5% of budget); almost no room under the tax cap; an override vote possible. |
| Shrewsbury | C± · FairBetter than 44% of MA townsAbility to pay: above the state median | High | $8.8k | 6.3% | None | -2% | $722k | Fair finances; typical savings (6.9% of budget); override vote in 2021; another override vote likely. |
| Shutesbury | A± · ExcellentBetter than 91% of MA townsAbility to pay: below the state median | Low | $6.8k | 5.5% | None | +1% | $426k | Low debt and solid savings (14% of budget); override vote unlikely, with room under the tax cap. |
| Somerset | B · SolidBetter than 61% of MA townsAbility to pay: below the state median | Low | $6.3k | 5.6% | None | -6% | $482k | Low debt and solid savings (9.5% of budget); override vote unlikely, with room under the tax cap. |
| Somerville | C · FairBetter than 36% of MA townsAbility to pay: top 25% | Medium | $9.4k | 7.1% | None | +4% | $1.2M | Fair finances; typical savings (7.6% of budget); almost no room under the tax cap; an override vote possible. |
| South Hadley | C± · FairBetter than 45% of MA townsAbility to pay: bottom 25% | High | $5.6k | 6.0% | ✕ | -11% | $399k | Fair finances; typical savings (9.1% of budget); override vote in 2026; another override vote likely. |
| Southampton | D · WeakBetter than 9% of MA townsAbility to pay: below the state median | High | $6.4k | 5.2% | ✕ | +5% | $525k | Thin savings (1.4% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| Southborough | C · FairBetter than 32% of MA townsAbility to pay: top 25% | Low | $14.2k | 7.2% | None | +3% | $1.1M | Fair finances; below-typical savings (4.6% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Southbridge | D± · WeakBetter than 5% of MA townsAbility to pay: bottom 10% | Medium | $5.1k | 7.6% | None | -4% | $345k | Thin savings (3.9% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| SouthwickRegional district shared with 3 towns | B± · SolidBetter than 86% of MA townsAbility to pay: below the state median | Low | $6.2k | 5.1% | None | -10% | $424k | Low debt and solid savings (13% of budget); override vote unlikely, with room under the tax cap. |
| SpencerRegional district shared with 2 towns | C · FairBetter than 18% of MA townsAbility to pay: bottom 25% | High | $4.7k | 5.8% | ✕ | +8% | $449k | High debt; 3 override votes since 2016 and little room under the tax cap; another override vote likely. |
| Springfield | F · Very weakBetter than 4% of MA townsAbility to pay: bottom 10% | Low | $4.3k | 8.1% | None | -3% | $295k | Thin savings (2.2% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| SterlingRegional district shared with 5 towns | C · FairBetter than 27% of MA townsAbility to pay: above the state median | Medium | $7.5k | 5.8% | None | -2% | $638k | Thin savings (4.2% of budget); almost no room under the tax cap; an override vote possible. |
| StockbridgeRegional district shared with 3 towns | B · SolidBetter than 64% of MA townsAbility to pay: top 10% (income) | Low | $6.3k | 4.3% | None | -7% | $668k | Strong savings (14% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Stoneham | B · SolidBetter than 68% of MA townsAbility to pay: above the state median | High | $8.1k | 7.1% | ✕ | +2% | $799k | Low debt and solid savings (12% of budget); 2 override votes since 2016; another override vote likely. |
| Stoughton | C · FairBetter than 33% of MA townsAbility to pay: below the state median | High | $7.2k | 6.8% | None | +5% | $620k | Fair finances; typical savings (7% of budget); almost no room under the tax cap; another override vote likely. |
| StowRegional district shared with 3 towns | B · SolidBetter than 58% of MA townsAbility to pay: top 25% | Medium | $14.1k | 7.6% | None | -3% | $830k | Low debt and solid savings (7.9% of budget); school costs outpacing the tax cap; an override vote possible. |
| Sturbridge | A± · ExcellentBetter than 92% of MA townsAbility to pay: above the state median | Medium | $7.9k | 5.8% | None | -3% | $500k | Low debt and solid savings (14% of budget); almost no room under the tax cap; an override vote possible. |
| Sudbury | C · FairBetter than 42% of MA townsAbility to pay: top 10% | High | $16.6k | 7.0% | ✕ | -3% | $1.3M | Fair finances; below-typical savings (5.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Sunderland | C · FairBetter than 35% of MA townsAbility to pay: bottom 25% | High | $5.9k | 8.7% | ✕ | -6% | $485k | Fair finances; below-typical savings (4.9% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Sutton | B · SolidBetter than 78% of MA townsAbility to pay: above the state median | Medium | $7.2k | 4.9% | None | -2% | $690k | Low debt and solid savings (9.5% of budget); almost no room under the tax cap; an override vote possible. |
| Swampscott | C · FairBetter than 17% of MA townsAbility to pay: top 25% | Low | $11.5k | 8.5% | None | -2% | $915k | Fair finances; below-typical savings (5% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Swansea | A · ExcellentBetter than 95% of MA townsAbility to pay: below the state median | High | $5.6k | 4.8% | None | -1% | $473k | Low debt and solid savings (13% of budget); almost no room under the tax cap; another override vote likely. |
| Taunton | C · FairBetter than 21% of MA townsAbility to pay: bottom 25% | High | $5.5k | 7.0% | None | +6% | $529k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; another override vote likely. |
| TempletonRegional district shared with 2 towns | D · WeakBetter than 7% of MA townsAbility to pay: bottom 10% | High | $4.5k | 4.4% | ✕ | +3% | $450k | Thin savings (3.5% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| Tewksbury | C · FairBetter than 32% of MA townsAbility to pay: above the state median | Medium | $8.6k | 6.7% | None | +2% | $690k | Fair finances; below-typical savings (6.1% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Tisbury | B± · SolidBetter than 86% of MA townsAbility to pay: bottom 25% (income) | High | $12.5k | 16.9% | ✕ | 0% | $1.2M | Strong savings (19% of budget vs 7.3% typical); 3 override votes since 2016; another override vote likely. |
| TollandSmall town, figures volatile · Regional district shared with 3 towns | B · SolidBetter than 76% of MA townsAbility to pay: above the state median (income) | Low | $3.2k | 3.0% | None | -10% | $406k | Strong savings (19% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Topsfield | B · SolidBetter than 59% of MA townsAbility to pay: top 25% | High | $14.5k | 7.4% | ✕ | -5% | $896k | Low debt and solid savings (7.9% of budget); 6 override votes since 2016; another override vote likely. |
| TownsendRegional district shared with 3 towns | D± · WeakBetter than 11% of MA townsAbility to pay: bottom 25% | High | $6.5k | 5.3% | ✕ | -3% | $510k | Thin savings (2% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| Truro | A · ExcellentBetter than 98% of MA townsAbility to pay: top 10% (income) | High | $8.1k | 6.8% | ✕ | -34% | $1.5M | Strong savings (15% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| Tyngsborough | D · WeakBetter than 7% of MA townsAbility to pay: below the state median | Medium | $8.3k | 6.4% | None | -1% | $655k | Thin savings (1.8% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| TyringhamSmall town, figures volatile | B · SolidBetter than 66% of MA townsAbility to pay: top 25% (income) | Low | $4.5k | 2.8% | None | n/a | $701k | Low debt and solid savings (11% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| UptonRegional district shared with 2 towns | A± · ExcellentBetter than 92% of MA townsAbility to pay: above the state median | High | $8.8k | 5.6% | ✕ | -5% | $653k | Low debt and solid savings (13% of budget); override vote in 2026; another override vote likely. |
| Uxbridge | C · FairBetter than 24% of MA townsAbility to pay: below the state median | Medium | $6.8k | 5.5% | None | 0% | $594k | Below-typical savings (5.7% of budget); almost no room under the tax cap; an override vote possible. |
| Wakefield | B± · SolidBetter than 54% of MA townsAbility to pay: above the state median | High | $9.6k | 7.2% | None | +2% | $850k | Low debt and solid savings (9.2% of budget); almost no room under the tax cap; another override vote likely. |
| WalesRegional district shared with 5 towns | B · SolidBetter than 67% of MA townsAbility to pay: bottom 25% | Low | $4.6k | 5.2% | None | -10% | $300k | Low debt and solid savings (8.1% of budget); override vote unlikely, with room under the tax cap. |
| Walpole | B · SolidBetter than 70% of MA townsAbility to pay: top 25% | High | $10.3k | 6.0% | None | -2% | $785k | Low debt and solid savings (11% of budget); almost no room under the tax cap; another override vote likely. |
| Waltham | C · FairBetter than 42% of MA townsAbility to pay: above the state median | Low | $5.2k | 4.3% | None | +4% | $823k | Fair finances; heavy debt payments (6.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| Ware | B · SolidBetter than 57% of MA townsAbility to pay: bottom 10% | Medium | $4.8k | 7.1% | None | -5% | $315k | Low debt and modest savings (7.1% of budget); almost no room under the tax cap; an override vote possible. |
| Wareham | B · SolidBetter than 77% of MA townsAbility to pay: below the state median | Medium | $4.1k | 4.5% | None | 0% | $460k | Low debt and solid savings (9.3% of budget); almost no room under the tax cap; an override vote possible. |
| WarrenRegional district shared with 2 towns | B± · SolidBetter than 84% of MA townsAbility to pay: bottom 10% | Low | $4.6k | 6.9% | None | -3% | $365k | Low debt and solid savings (10% of budget); override vote unlikely, with room under the tax cap. |
| WarwickSmall town, figures volatile | B · SolidBetter than 68% of MA townsAbility to pay: bottom 25% | Medium | $4.8k | 5.1% | None | +17% | $335k | Low debt and solid savings (10% of budget); little room under the tax cap; an override vote possible. |
| WashingtonSmall town, figures volatile · Regional district shared with 7 towns | B · SolidBetter than 72% of MA townsAbility to pay: below the state median | Low | $5.2k | 5.5% | ✕ | +1% | Too few sales | Low debt and solid savings (13% of budget); last override vote 2022; another unlikely. |
| Watertown | D · WeakBetter than 9% of MA townsAbility to pay: top 25% | Medium | $8.1k | 6.4% | None | +13% | $945k | Heavy debt payments (11% of budget); almost no room under the tax cap; an override vote possible. |
| Wayland | B · SolidBetter than 66% of MA townsAbility to pay: top 10% | Medium | $18.3k | 8.2% | None | -1% | $1.3M | Low debt and solid savings (9.8% of budget); school costs outpacing the tax cap; an override vote possible. |
| Webster | C · FairBetter than 35% of MA townsAbility to pay: bottom 25% | High | $5.5k | 7.5% | None | +3% | $430k | High debt; almost no room under the tax cap and school costs outpacing the tax cap; another override vote likely. |
| Wellesley | A± · ExcellentBetter than 93% of MA townsAbility to pay: top 5% | Medium | $20.6k | ≤8.2% | None | -11% | $2.3M | Low debt and solid savings (13% of budget); almost no room under the tax cap; an override vote possible. |
| WellfleetRegional district shared with 4 towns | A · ExcellentBetter than 97% of MA townsAbility to pay: top 25% (income) | High · routine | $7.4k | 6.3% | ✕ | -18% | $925k | Strong savings (15% of budget vs 7.3% typical); 9 override votes since 2016; another routine override vote likely. |
| WendellSmall town, figures volatile · Regional district shared with 2 towns | C · FairBetter than 41% of MA townsAbility to pay: bottom 10% | High | $5.6k | 8.5% | ✕ | +1% | Too few sales | Below-typical savings (5% of budget); override vote in 2025 and school costs outpacing the tax cap; another override vote likely. |
| WenhamRegional district shared with 2 towns | B · SolidBetter than 74% of MA townsAbility to pay: above the state median | High | $16.2k | 8.3% | ✕ | +2% | $983k | Low debt and solid savings (8.7% of budget); 4 override votes since 2016; another override vote likely. |
| West Boylston | C± · FairBetter than 49% of MA townsAbility to pay: below the state median | High | $7.6k | 7.3% | ✕ | +2% | $534k | Fair finances; below-typical savings (6.2% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| West Bridgewater | B · SolidBetter than 59% of MA townsAbility to pay: below the state median | Low | $7.4k | 6.0% | None | -1% | $655k | Low debt and solid savings (8.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| West BrookfieldRegional district shared with 2 towns | B · SolidBetter than 58% of MA townsAbility to pay: below the state median | High | $4.4k | 4.6% | ✕ | -4% | $393k | Low debt and modest savings (7.1% of budget); 2 override votes since 2016; another override vote likely. |
| West NewburyRegional district shared with 3 towns | B± · SolidBetter than 85% of MA townsAbility to pay: top 25% | Low | $9.9k | 5.5% | None | +3% | $942k | Low debt and solid savings (11% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| West Springfield | D · WeakBetter than 8% of MA townsAbility to pay: bottom 10% | Low | $5.0k | 7.3% | None | -2% | $339k | High debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| West StockbridgeRegional district shared with 3 towns | B± · SolidBetter than 52% of MA townsAbility to pay: top 10% (income) | Low | $6.9k | 6.5% | None | -7% | $505k | Low debt and modest savings (6.6% of budget); override vote unlikely despite school costs outpacing the tax cap. |
| West TisburyRegional district shared with 3 towns | C · FairBetter than 37% of MA townsAbility to pay: top 5% (income) | High | $8.9k | 4.8% | ✕ | +2% | $1.9M | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); 5 override votes since 2016; another override vote likely. |
| Westborough | C± · FairBetter than 12% of MA townsAbility to pay: above the state median | Low | $12.9k | 9.1% | None | -4% | $800k | Fair finances; heavy debt payments (8.3% of budget); override vote unlikely, with room under the tax cap. |
| Westfield | C · FairBetter than 17% of MA townsAbility to pay: bottom 10% | Low | $5.8k | 6.6% | None | -4% | $378k | Fair finances; high debt for its property value; override vote unlikely, with room under the tax cap. |
| Westford | C · FairBetter than 33% of MA townsAbility to pay: top 25% | High | $11.2k | 6.0% | ✕ | -4% | $905k | Fair finances; below-typical savings (4.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Westhampton | C · FairBetter than 42% of MA townsAbility to pay: below the state median | High | $7.1k | 7.1% | ✕ | -4% | $398k | Fair finances; below-typical savings (5.9% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| WestminsterRegional district shared with 2 towns | B± · SolidBetter than 88% of MA townsAbility to pay: below the state median | Low | $6.0k | 5.6% | None | +1% | $531k | Low debt and solid savings (11% of budget); last override vote 2017; another unlikely. |
| Weston | B · SolidBetter than 80% of MA townsAbility to pay: top 5% | Low | $26.3k | ≤10.5% | None | +9% | $2.4M | Low debt and solid savings (10% of budget); override vote unlikely, with room under the tax cap. |
| Westport | C · FairBetter than 36% of MA townsAbility to pay: above the state median | High | $4.9k | 5.1% | ✕ | +11% | $680k | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); override vote in 2023; another override vote likely. |
| Westwood | B · SolidBetter than 78% of MA townsAbility to pay: top 10% | Medium | $16.1k | 7.2% | None | -4% | $1.2M | Low debt and solid savings (12% of budget); little room under the tax cap; an override vote possible. |
| Weymouth | D · WeakBetter than 7% of MA townsAbility to pay: above the state median | Medium | $6.2k | 6.0% | None | +2% | $640k | Thin savings (3.9% of budget vs 7.3% typical); almost no room under the tax cap; an override vote possible. |
| Whately | B± · SolidBetter than 85% of MA townsAbility to pay: above the state median | Low | $5.8k | 5.0% | None | +12% | $550k | Low debt and solid savings (12% of budget); override vote unlikely, with room under the tax cap. |
| WhitmanRegional district shared with 2 towns | C · FairBetter than 18% of MA townsAbility to pay: bottom 25% | High | $6.9k | 6.3% | ✕ | -4% | $540k | Fair finances; thin savings (3.5% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| WilbrahamRegional district shared with 2 towns | B · SolidBetter than 55% of MA townsAbility to pay: below the state median | Low | $8.2k | 6.7% | None | -1% | $446k | Low debt and modest savings (6.9% of budget); override vote unlikely, with room under the tax cap. |
| WilliamsburgRegional district shared with 5 towns | B± · SolidBetter than 85% of MA townsAbility to pay: below the state median | Low | $7.0k | 6.6% | None | -2% | $440k | Low debt and solid savings (12% of budget); override vote unlikely, with room under the tax cap. |
| WilliamstownRegional district shared with 2 towns | C · FairBetter than 38% of MA townsAbility to pay: below the state median | Low | $8.0k | 7.5% | None | +6% | $422k | Fair finances; below-typical savings (5.1% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Wilmington | A · ExcellentBetter than 98% of MA townsAbility to pay: above the state median | Medium | $8.7k | 5.2% | None | -2% | $751k | Strong savings (29% of budget vs 7.3% typical); little room under the tax cap; an override vote possible. |
| Winchendon | C · FairBetter than 31% of MA townsAbility to pay: bottom 10% | High | $4.7k | 6.2% | ✕ | -4% | $416k | Fair finances; below-typical savings (4.4% of budget vs 7.3% typical); override vote in 2025; another override vote likely. |
| Winchester | A± · ExcellentBetter than 89% of MA townsAbility to pay: top 5% | High | $18.3k | 7.9% | ✕ | -3% | $1.8M | Strong savings (14% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| WindsorSmall town, figures volatile · Regional district shared with 7 towns | C± · FairBetter than 47% of MA townsAbility to pay: above the state median | Low | $2.8k | 2.5% | None | +1% | $483k | Fair finances; below-typical savings (5.8% of budget vs 7.3% typical); override vote unlikely, with room under the tax cap. |
| Winthrop | C · FairBetter than 16% of MA townsAbility to pay: above the state median | High | $8.3k | 7.1% | ✕ | +5% | $754k | Fair finances; thin savings (3.7% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Woburn | A · ExcellentBetter than 96% of MA townsAbility to pay: above the state median | Low | $6.8k | 6.1% | None | +1% | $767k | Strong savings (23% of budget vs 7.3% typical); override vote unlikely despite school costs outpacing the tax cap. |
| Worcester | F · Very weakBottom 1% of MA townsAbility to pay: bottom 10% | Low | $5.4k | 7.8% | None | +3% | $432k | High debt for its property value; override vote unlikely despite school costs outpacing the tax cap. |
| Worthington | C± · FairBetter than 44% of MA townsAbility to pay: above the state median | High | $5.3k | 5.8% | ✕ | +16% | $350k | Fair finances; below-typical savings (5.4% of budget vs 7.3% typical); 2 override votes since 2016; another override vote likely. |
| Wrentham | B± · SolidBetter than 84% of MA townsAbility to pay: above the state median | Low | $8.3k | 5.5% | None | +4% | $730k | Low debt and solid savings (11% of budget); override vote unlikely, with room under the tax cap. |
| YarmouthRegional district shared with 2 towns | B · SolidBetter than 83% of MA townsAbility to pay: above the state median (income) | High · routine | $4.9k | 5.8% | ✕ | +7% | $613k | Low debt and solid savings (10% of budget); 8 override votes since 2016; another routine override vote likely. |
✕ = override vote in the last 5 years (blank = none). ± = budget grade within 2 points of a cutoff. Better than X% = share of the 351 towns with a lower budget score. Ability to pay = statewide band for income and property value, shown separately from the budget grade. High · routine (amber) = Cape town that votes on overrides most years and usually passes them. Shaded = tax bill share above the 6.4% median, or enrollment drop worse than the -2% median. n/a = no school data.
Median town (grey row): the middle value across all 351 towns. Typical tax bill: FY2026 average single-family bill. Tax bill % of income: that bill divided by Census median household income (2020-24); ≤ means the town's income is capped at $250,000+ by the Census, so the true share is lower. Override vote: ✕ if the town held any Prop 2½ override vote in the last 5 years (124 of 351 towns, 35%); hover for the count and how many failed. School enrollment: 5-year change across the districts that teach the town's students. Median home price: 2024 single-family sales. On a phone, swipe the table sideways; the town column stays put.