What You Need to Know Before Making the Move

Cape Cod is famous for its coastal beauty, sandy beaches, and slower pace of life—but what about the cost of living? Whether you’re retiring, relocating, or buying a second home, understanding the financial side of Cape Cod living is essential. Here’s a detailed look at what you can expect.

Housing Costs on Cape Cod

The largest factor in the Cape Cod cost of living is housing. On the Upper Cape, median single-family homes often range between $650,000–$950,000, while waterfront estates or new construction properties can easily exceed $1M.

For buyers seeking more affordable options, condominiums, townhomes, and multi-family properties provide attractive alternatives. Each Cape Cod town offers its own real estate market flavor, from upscale Mashpee golf communities to historic Sandwich neighborhoods.

Utilities & Everyday Expenses

Living on Cape Cod comes with unique utility costs. Cold New England winters often mean higher heating bills, with many homes still relying on oil or propane heat (though energy-efficient upgrades are becoming more common).

Everyday expenses like groceries and dining also tend to be above the national average, especially in the summer season when demand from vacationers peaks. Residents find local farmers’ markets and off-season dining specials helpful in balancing costs.

Seasonal & Hidden Expenses

Beyond housing and utilities, there are seasonal costs that Cape Cod homeowners should prepare for:

• Snow removal and landscaping services
• Beach stickers and parking permits for summer access
• Flood insurance in coastal zones
• Short-term rental management fees for second-home owners

Factoring these into your budget ensures a smoother transition to year-round or seasonal living

The Lifestyle Value of Cape Cod

Yes, living on Cape Cod can cost more than the national average—but residents agree the lifestyle value is unmatched. Picture morning walks along the beach, fresh-caught seafood dinners, vibrant local arts, and a strong sense of community.

For many, the priceless rewards of Cape Cod life outweigh the higher expenses.

Ready to Explore Cape Cod Living?
Wondering what your budget can buy on Cape Cod? Let’s explore together.

Contact Felicia Sawyer, your trusted Cape Cod real estate resource, to discover the homes, neighborhoods, and lifestyle that best fit your goals. Whether you’re dreaming of a vacation home, retirement property, or year-round residence, I’ll help you find the perfect match.