A good place to live, if you can afford it. Health is its strong suit (A+). The catch is cost of living (C−) — the typical home is worth about $942K, 8.1 years of the Boston metro’s $116K median household income. Overall, that makes an A+, good for 16th of 282 in Massachusetts. Nationally, it does better than almost every U.S. town. Manchester-by-the-Sea's civic life (library use, community groups, volunteering) is stronger than in 96% of U.S. towns. 78% of adults 25 and older hold a bachelor’s degree or more here, above both Massachusetts’ towns (47%) and U.S. towns (29%). History is its standout character grade: an A+, better than 99% of U.S. towns, with 3 places on the National Register.
Figures: health, CDC PLACES · home values, Zillow · incomes, Census ACS, 2020–24.
Ordered by what stands out in Manchester-by-the-Sea.
Manchester-by-the-Sea reports less crime than Wenham or any other graded neighbor and has less no health insurance than most of Massachusetts, but it has a long record of flood insurance claims.
Its widest gap with Massachusetts is no health insurance: 1.8% of those 18–64 have no health insurance, against 5.2% statewide.
Only 8 of the 279 Massachusetts towns we compare have a lower share of adults who have been diagnosed with depression than Manchester-by-the-Sea. For adults in the town, the share who report frequent mental distress is 11%. This Massachusetts town does better than the Massachusetts average on 21 of 32 CDC measures and worse on 1.
Its A for schools comes with a C− for cost of living: the typical home is worth about $942K.
Of its 5 schools, two are listed below, each with the reason. The public schools here belong to the Manchester Essex Regional school district. The largest public high school is Manchester Essex Regional High School, with 392 students.
The biggest place to walk is Manchester Essex Woods, 321 acres with 5.8 miles of trail. Trails run 43 miles in 37 parks and preserves. For Manchester-by-the-Sea, the concentration of trails is 2.4 miles per square mile.
Its A tops all 5 graded towns on its borders; Wenham (A) comes closest. Violent crime is rare: 5 reported in 2025, 0.9 per 1,000 residents.
The rate of thefts and burglaries in Manchester-by-the-Sea is 2.2 per 1,000 residents. The level of violent crime in the town is 0.9 per 1,000 residents.
84 flood insurance claims have been filed here, and 22 properties have flooded more than once.
For Manchester-by-the-Sea, the FEMA risk score is 17 of 100. 84 flood insurance claims have been paid in the town since 1978. Expected losses in Manchester-by-the-Sea break down as 57% from inland flooding and 13% from coastal flooding. Federal disaster aid has reached households in Manchester-by-the-Sea after 11 declared disasters, most recently in 2018.
27.4% of workers work from home, against 18.6% across Massachusetts.
The top destinations are Boston (21%), Beverly (8%) and Gloucester (5%). Manchester-by-the-Sea’s median household income is $206,000. Most people who work leave Manchester-by-the-Sea to do it: just 11% work in town.
11%work in town
Manchester-by-the-Sea
Massachusetts towns
U.S. towns
Median household income
$206,000
$120,000
$80,000
Below the poverty line
2.1%
6%
9.6%
Average trip to work
30 minutes
30 minutes
25 minutes
Working residents who work in town
11%
9.8%
8%
Where working residents work
In Manchester-by-the-Sea11%
Boston21%
Beverly8%
Gloucester5%
Cambridge3%
20 mi
median commute distance
1,485
jobs based in Manchester-by-the-Sea
A commuter town
jobs vs. working residents
A
Walkability grade: more walkable than 87% of U.S. towns
Manchester-by-the-Sea (also known simply as Manchester, its name prior to 1990) is a coastal town on Cape Ann, in Essex County, Massachusetts, United States. The town is known for scenic beaches and vista points. According to the 2020 population census, the population is 5,395. The town lies on the southern side of Cape Ann, at the point where the peninsula meets the mainland. The North Shore was populated by the Agawam people prior to European settlement, which began in 1629, about a decade after an epidemic killed much of the native people. Fishing was the major industry in the town almost from its incorporation in 1645, but in the mid-19th century it began to grow as a popular seaside re…
Is Manchester-by-the-Sea, MA a good place to live?
Yes, by almost any measure. Manchester-by-the-Sea grades A+ overall, among the top 2% of U.S. towns and #16 of 282 in Massachusetts. It grades A+ for health, A for safety and A for schools. Cost of living is its weak spot, with a C−.
Is Manchester-by-the-Sea, MA expensive?
Yes. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C−.
What is Manchester-by-the-Sea, MA known for?
9 notable people were born here, including Sprague Grayden and Josh Gates.