Offers keep getting rejected? No Connecticut loan officer closed more purchase loans in 2025.* Learn more →
James Allen Mortgage Team Movement Mortgage
Main Street in Ayer, Massachusetts.

Living in Ayer, Massachusetts

Ayer is a town in Middlesex County set off from parts of Groton, Shirley, and Harvard and incorporated in 1871, named for Lowell pharmaceutical manufacturer Dr. James Cook Ayer. Ayer uses a single ZIP code, 01432.

Photo: John Phelan, CC BY-SA 4.0

Ayer at a glance

Ayer's villages and zip codes

Ayer center uses ZIP code 01432; the shared Devens area uses 01434.

Ayer villages and zip codes
AreaZip codeWhere it is
Ayer center01432The town's main village along Main Street, with Town Hall and the Ayer Main Street Historic District.
Devens01434

Things to do in Ayer, MA

Start with Ayer Main Street Historic District and Fort Devens Historic District, then 3 more below.

  1. Ayer Main Street Historic District

    A historic district of commercial buildings reflecting Ayer's growth as a 19th-century railroad junction town.

    FreeYear-round

    Main Street, Ayer, MA

  2. Fort Devens Historic District

    The historic core of the former Fort Devens Army post, established in 1917 and closed in 1996; part of the property remains an active reserve training area.

    FreeYear-round

    Devens, MA

  3. Nashua River Rail Trail

    A paved rail trail whose southern segment starts in Ayer and runs north along the former railbed toward the New Hampshire line.

    FreeYear-round

    Ayer, MA

  4. St. Andrew's Church

    A church building dating to 1892 in Ayer's historic downtown.

    FreeYear-round

    Ayer, MA

  5. Billiards Cafe

    A cafe and billiards hall noted for having the only full-sized snooker table in New England.

    Year-round

    Ayer, MA

More worth a visit

  • Community Memorial Hospital buildingA historic hospital building listed on the National Register of Historic Places.

A little history

The area was originally settled in 1667 as part of Groton before Ayer was set off and incorporated as its own town on February 14, 1871, named for Lowell pharmaceutical manufacturer Dr. James Cook Ayer.

Ayer became a major railroad junction in the 1800s, with multiple intersecting rail lines meeting in town.

Fort Devens was established in 1917 as a World War I Army training facility; it closed as an active post in 1996, and part of the property continues as a reserve training area within present-day Devens.

Parks, trails and outdoors in Ayer

Ayer's outdoor recreation includes the Nashua River Rail Trail, whose southern end starts in town, plus open land at Devens on the site of the former Fort Devens.

  • Nashua River Rail TrailA paved multi-use trail beginning in Ayer and running north along a former rail corridor.
  • Nashua River and Nonacoicus BrookWaterways bordering Ayer, used for fishing and paddling access.

Where to eat in Ayer: restaurants and coffee

1 places in Ayer to try, including cafe and billiards hall. No one paid to be listed.

Walkability and getting around Ayer

Downtown Ayer, around the Main Street Historic District and the commuter rail station, has sidewalks connecting shops and the rail trail, but Devens and the town's outlying areas are built around driving.

Ayer center

1 Main Street, Ayer, MA 01432

Check any Ayer address

Drive times

  • Fitchburg, about 15 miles20-25 min
  • Logan International Airport, about 40 miles50-60 min

Approximate, without traffic.

By bus or train

MBTA commuter rail on the Fitchburg Line stops at Ayer station, connecting to Boston's North Station. The Montachusett Regional Transit Authority (MART) also serves the town.

Ayer property taxes

Ayer's FY2026 residential tax rate is $11.59 per $1,000 of assessed value. Commercial, industrial and personal property pay $25.20. Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $1,159 a year. The average single-family tax bill was $6,625, on an average assessed value of $571,644.

Ayer's FY2026 tax rates

$11.59per $1,000, residential

  • Residential$11.59 per $1,000
  • Commercial, industrial, personal property$25.20 per $1,000
  • Average single-family assessed value$571,644
  • Average single-family tax bill$6,625
  • Motor vehicle excise (statewide)$25 per $1,000 of value

Source: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.

Ayer property tax calculator

$
Assessed value (100%)
–
Taxes a year
–
About this much a month
–

Estimate at the FY2026 residential rate; the assessor's value sets the bill.

How the residential rate has changed

Fiscal yearResidential rate
FY2022$13.42
FY2023$12.42
FY2024$12.25
FY2025$11.96
FY2026$11.59

Look up a Ayer property

Buying a home in Ayer

What we check on a Ayer purchase: MassHousing limits, the flood map, the smoke certificate, private trash haulers, smoke & co certificate.

MassHousing

First-time buyer programs

MassHousing sets its own income and price limits for Middlesex County. We check them with you before you shop.

MassHousing home loans
Flood maps

Check the flood zone first

Ayer is bordered by the Nashua River and Nonacoicus Brook, putting low-lying parcels near both waterways in FEMA-mapped flood zones. We check FEMA's map before you offer.

FEMA's flood map for Ayer
Before closing

Smoke and CO certificate

Massachusetts requires the seller to get a smoke and carbon monoxide certificate from the Ayer Fire Department before the sale closes.

Private trash haulers

Trash service is arranged directly with a private hauler

Ayer does not run municipal curbside collection; residents choose from several licensed private haulers, or use the town's transfer station on Groton-Harvard Road with a vehicle permit.

Smoke & CO certificate

Massachusetts requires a smoke and CO certificate before closing

Sellers need a smoke detector and carbon monoxide alarm compliance certificate from the local fire department before closing. Ayer's Fire Department, at 1 West Main Street, handles these inspections.

All loans are subject to credit approval, underwriting, and property and program requirements. MassHousing limits and eligibility are set by MassHousing and change from time to time.

James Allen

Thinking about buying in Ayer?

We're licensed in Massachusetts. Send us a Ayer address and we'll run the numbers, taxes included.

Compare loan optionsOur process

Moving to Ayer: utilities, trash and town hall

Who to call in Ayer.

Ayer Transfer Station

100 Groton-Harvard Road, Ayer, MA 01432 Wednesday, Saturday and Sunday, 7am-3pm

Transfer station details

Town Hall offices and contacts

Ayer Town Hall is at 1 Main Street, Ayer, MA 01432. Hours: Monday, Wednesday, Thursday 8am-4pm; Tuesday 8am-6pm; Friday 8am-2pm. Main line: 978-772-8220.

Ayer, MA FAQ: taxes and town services

What is the property tax rate in Ayer, MA?

Ayer's FY2026 residential tax rate is $11.59 per $1,000 of assessed value. Commercial, industrial and personal property pay $25.20. Massachusetts fiscal years run July 1 to June 30.

How much are property taxes on a $400,000 home in Ayer?

Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $4,636 a year at $11.59 per $1,000. The bill uses the assessor's value, not the sale price.

Does Ayer have a split tax rate?

Yes. Homes pay $11.59 per $1,000 and commercial, industrial and personal property pay $25.20.

What is the average single-family tax bill in Ayer?

The average single-family tax bill in Ayer was $6,625 for FY2026, on an average assessed value of $571,644.

Is trash pickup curbside or through a private hauler in Ayer?

Ayer residents contract individually with a licensed private trash hauler; the town does not run a municipal curbside program. A transfer station on Groton-Harvard Road is also available with a vehicle permit.

What ZIP codes does Ayer use?

Ayer center uses 01432, and the shared Devens area uses 01434.

Is there train service in Ayer?

Yes. MBTA commuter rail on the Fitchburg Line stops at Ayer station, connecting to Boston's North Station.

Where do septic and well permits go through in Ayer?

Ayer's Board of Health handles these along with the regional Nashoba Associated Boards of Health, headquartered in town at 30 Central Avenue.

How far is Ayer from Fitchburg?

Ayer is about 15 miles from Fitchburg, roughly a 20-25 minute drive.

Towns near Ayer

Neighbors of Ayer, including across the Connecticut line where it applies. All Massachusetts town guides.

Sources