Taxes & Insurance in Marblehead
Marblehead's tax picture pairs a comparatively moderate property tax rate with a substantial resulting bill, and this record discloses the state's homeowners-insurance picture honestly rather than assuming a Marblehead-specific figure.
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Learn moreA comparatively moderate rate, a substantial bill
Marblehead's FY2026 property tax rate is $8.59 per $1,000 of assessed value (down 46 cents year-over-year), an effective rate of 0.91% -- below the national median of 1.02%. Yet the median tax bill still rose to roughly $10,264 for fiscal 2026, because Marblehead's rising home assessments outpaced the rate cut -- a real, disclosed case of a moderate rate still producing a substantial bill given high home values, consistent with massachusetts.js's statewide framing.
Massachusetts's statewide income and sales tax structure applies here
Massachusetts's flat 5% state income tax rate (with a real, additional 4% 'millionaires tax' surtax above $1,107,750 of taxable income) and uniform 6.25% statewide sales tax (no local add-on) apply identically in Marblehead -- see massachusetts.js for the full statewide disclosure.
A real, disclosed coastal-property insurance consideration
This research pass did not independently verify a Marblehead-specific homeowners-insurance premium figure -- disclosed as a real gap. Massachusetts's statewide premium figures span a real, wide range ($1,226-$2,634/year depending on source and coverage assumptions, per massachusetts.js); given Marblehead's coastal, harbor-town geography, get an independent, address-specific homeowners and flood-insurance quote rather than relying on the statewide range, especially for waterfront or Marblehead Neck properties.
Key takeaways
- Marblehead's 0.91% effective property tax rate beats the national median, but the resulting bill (~$10,264) is substantial given high home values.
- Massachusetts's statewide flat 5% income tax (plus the 4% surtax above $1,107,750) and uniform 6.25% sales tax apply identically here.
- No Marblehead-specific homeowners-insurance figure was independently verified this session -- a real, disclosed gap.
- Get an independent, address-specific insurance quote for any coastal or Marblehead Neck property.
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