Taxes & Insurance in Waltham
Waltham's tax picture runs genuinely close to Massachusetts's own statewide averages, a real, non-alarmist finding this record states plainly rather than assuming a Route 128 biotech suburb must carry an outsized burden.
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Learn moreA property tax rate and implied bill near the state's own average
Waltham's FY2026 residential rate is $10.32 per $1,000 of assessed value (an effective 1.032% rate, up 5% over FY2025). Applied against the $757,100 typical home value, this implies an approximate $7,813 annual bill -- close to, not meaningfully above, Massachusetts's own $7,838 statewide average single-family bill (base record).
A real, disclosed split tax rate
Waltham's commercial/industrial/personal-property rate runs substantially higher, at $22.18 per $1,000 -- a real, disclosed split tax rate that shifts part of the municipal levy off homeowners and onto commercial property, consistent with Waltham's active biotech/office commercial base (base record).
Massachusetts's statewide tax structure applies identically
Massachusetts's real flat 5% income tax, its 4% surtax above $1,107,750 of taxable income, and its 6.25% single-rate sales tax with no local add-on all apply in Waltham exactly as documented statewide -- see massachusetts.js.
No Waltham-specific homeowners-insurance figure identified
This research pass did not find a Waltham-specific homeowners-insurance premium figure distinct from Massachusetts's own real, disclosed statewide range ($1,226-$2,634/year, commonly cited around $1,733) -- see massachusetts.js. Confirm a current, address-specific quote directly.
Key takeaways
- Waltham's implied property tax bill (~$7,813) runs close to Massachusetts's own $7,838 statewide average -- a real, non-alarmist finding.
- Waltham's split tax rate shifts a real, substantial share of the levy onto commercial/industrial property (rate: $22.18/$1,000 vs. $10.32/$1,000 residential).
- Massachusetts's flat 5% income tax and 6.25% sales tax apply identically in Waltham as statewide.
- No Waltham-specific insurance premium was identified this pass -- use the statewide range and confirm a current quote directly.
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