First-time buyer programs
MassHousing sets its own income and price limits for Berkshire County. We check them with you before you shop.
MassHousing home loans
Living in Florida, Massachusetts
Florida is a town in northern Berkshire County along the Mohawk Trail (Massachusetts Route 2), sitting near the highest points of the Hoosac Range. It was first settled around 1783 and incorporated in 1805. The Hoosac Tunnel, a 4.75-mile rail tunnel through the range, runs beneath the town, and despite its name, Wikipedia notes Florida is statistically among the coldest and snowiest towns in Massachusetts.
Florida at a glance
- $8.28Residential tax rate per $1,000, FY2026
- $2,006Average single-family tax bill, FY2026
- BerkshireCounty
- 1805Year incorporated
Florida's villages and zip codes
Florida uses two ZIP codes depending on location: 01247 and 01343 (Drury), where Town Hall sits.
| Area | Zip code | Where it is |
|---|---|---|
| Florida | 01247 | The eastern section of town along the Mohawk Trail. |
| Drury | 01343 | Where Town Hall is located, at 379 Mohawk Trail. |
| Whitcomb Summit | The highest point on the Mohawk Trail, at about 2,172 feet elevation, with valley overlooks. |
Things to do in Florida, MA
Start with Whitcomb Summit and Hoosac Tunnel, then 2 more below.
Whitcomb Summit
The highest point on the Mohawk Trail at about 2,172 feet, with scenic overlooks of the valley below.
Mohawk Trail (Route 2), Florida, MA
Hoosac Tunnel
Florida, MA
Savoy Mountain State Forest
A state forest reaching into Florida from the south, with hiking trails and programs, per the town's own announcements.
Florida/Savoy, MA
Mohawk Trail State Forest
A state forest along Massachusetts Route 2 near Florida, part of the scenic Mohawk Trail corridor through the Hoosac Range.
Florida/Charlemont, MA
More worth a visit
- Monroe State ForestA state forest along Florida's eastern border near the Deerfield River.
Around the calendar
- SummerCommunity Yard SaleA town-organized yard sale event, per the town's announcements page.
A little history
Florida was first settled around 1783, reportedly by Dr. Daniel Nelson, and was incorporated as a town in 1805.
The Mohawk Trail (Route 2) crosses Florida over Whitcomb Summit, the highest point on that scenic highway.
Parks, trails and outdoors in Florida
Florida sits among the highest terrain in Berkshire County, with the Hoosac Range, Whitcomb Summit and three neighboring state forests giving the town its hiking and scenic-overlook recreation.
- Whitcomb SummitScenic overlooks at the highest point on the Mohawk Trail.
- Savoy Mountain State ForestHiking trails reaching into Florida from the south.
- Mohawk Trail State ForestTrails and river access along Route 2 near Florida's southeastern border.
- Monroe State ForestState forest land along Florida's eastern border near the Deerfield River.
Walkability and getting around Florida
Florida has no sidewalked village center; the town is spread along the Mohawk Trail and mountain roads at elevations up to nearly 2,830 feet, and is built for driving.
Drive times
- North Adams
Approximate, without traffic.
By bus or train
Florida has no fixed-route public transit or train station. North Adams, the nearest city, has regional bus service and a small local airport.
Florida property taxes
Florida's FY2026 residential tax rate is $8.28 per $1,000 of assessed value. Commercial, industrial and personal property pay $21.72. Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $828 a year. The average single-family tax bill was $2,006, on an average assessed value of $242,252.
Florida's FY2026 tax rates
$8.28per $1,000, residential
- Residential$8.28 per $1,000
- Commercial, industrial, personal property$21.72 per $1,000
- Average single-family assessed value$242,252
- Average single-family tax bill$2,006
- 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.
How the residential rate has changed
| Fiscal year | Residential rate |
|---|---|
| FY2022 | $8.82 |
| FY2023 | $8.46 |
| FY2024 | $7.59 |
| FY2025 | $7.77 |
| FY2026 | $8.28 |
Look up a Florida property
- FEMA flood mapWhether a lender will require flood insurance
- Town ClerkVital records and town records
- Assessors' officeQuestions about a value: 413-662-2448 ext. 2
- Registry of DeedsDeeds and mortgages for the county
Buying a home in Florida
What we check on a Florida purchase: MassHousing limits, the flood map, the smoke certificate, well & septic, high elevation.
Check the flood zone first
The Deerfield River forms part of Florida's eastern border with Rowe, and low-lying land near it and other Hoosac Range streams can fall within FEMA-mapped flood zones. We check FEMA's map before you offer.
FEMA's flood map for FloridaSmoke and CO certificate
Massachusetts requires the seller to get a smoke and carbon monoxide certificate from the Florida Volunteer Fire Department before the sale closes. Call 413-884-4888 to schedule.
Florida Volunteer Fire Department pageHomes rely on private wells and septic
Florida has no townwide public water or sewer system; properties use private wells and septic systems. Buyers should confirm well and septic condition, including a Title 5 inspection, before closing.
Elevation and winter weather vary sharply by location
Florida's elevation ranges from under 1,900 feet to nearly 2,830 feet, and the town is noted for cold, snowy winters. Access roads and driveways at higher elevations can see more severe winter conditions than the valley towns nearby.
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.
Thinking about buying in Florida?
We're licensed in Massachusetts. Send us a Florida address and we'll run the numbers, taxes included.
Moving to Florida: utilities, trash and town hall
Who to call in Florida: National Grid for power.
- ElectricNational Grid
- WaterMostly private wells
- Sewer or septicMostly private septic systems
- Trash and recyclingThe town lists a transfer station with a fee schedule; specific hours were not published on the town website at the time of research.
- Registry of Motor VehiclesUpdate your address with the RMV within 30 days. Excise tax goes to the city or town where the car is garaged.Mass. RMV
Town Hall offices and contacts
Florida Town Hall is at 379 Mohawk Trail, Drury, MA 01343. Hours: Monday, Tuesday, Thursday, Friday 8:30 AM-4:00 PM; Wednesday 12:00 PM-7:30 PM. Main line: 413-662-2448.
- Town HallMain line and website413-662-2448
- Town ClerkLand records, vital records and elections.413-662-2448 ext. 3
- Board of AssessorsProperty values and assessments; meets every other Monday evening.413-662-2448 ext. 2
- Tax CollectorProperty tax billing and payment; office hours the first and third Wednesday of the month.413-464-1449
- Board of HealthSeptic and well permitting; meets the fourth Tuesday of the month.413-662-2448 ext. 0
- Fire DepartmentFire prevention, burn permits (Tuesday nights) and safety inspections.413-884-4888
- Highway DepartmentRoads and town infrastructure.413-662-2448 ext. 5
- Building InspectorBuilding permits and inspections.413-548-6633
- Florida Free LibraryThe town's public library.413-664-0153
- Charles H. McCann Technical School / Drury High SchoolRegional and North Adams schools serving Florida students.
Florida, MA FAQ: taxes and town services
What is the property tax rate in Florida, MA?
Florida's FY2026 residential tax rate is $8.28 per $1,000 of assessed value. Commercial, industrial and personal property pay $21.72. Massachusetts fiscal years run July 1 to June 30.
How much are property taxes on a $400,000 home in Florida?
Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $3,312 a year at $8.28 per $1,000. The bill uses the assessor's value, not the sale price.
Does Florida have a split tax rate?
Yes. Homes pay $8.28 per $1,000 and commercial, industrial and personal property pay $21.72.
What is the average single-family tax bill in Florida?
The average single-family tax bill in Florida was $2,006 for FY2026, on an average assessed value of $242,252.
What county is Florida, MA in?
Florida is in Berkshire County.
What ZIP codes does Florida use?
Florida uses 01247 and 01343 (Drury), where Town Hall is located.
Who supplies electricity in Florida?
National Grid.
Does Florida have curbside trash pickup?
No confirmed curbside service; the town operates a transfer station with a fee schedule.
Which towns border Florida?
Florida borders Monroe, Rowe, Charlemont, Savoy, Adams, North Adams and Clarksburg in Massachusetts, and Stamford, Vermont.
What are Florida Town Hall's hours?
Town Hall, at 379 Mohawk Trail in Drury, is open Monday, Tuesday, Thursday and Friday 8:30 AM-4:00 PM, and Wednesday 12:00 PM-7:30 PM.
Towns near Florida
Neighbors of Florida, including across the Connecticut line where it applies. All Massachusetts town guides.
Sources
- Florida, Massachusetts - Wikipedia: en.wikipedia.org
- Town of Florida, MA official website: townofflorida.org
- Officials - Town of Florida, MA: townofflorida.org
- Town Hall, Florida MA photo, Wikimedia Commons: commons.wikimedia.org
- Tax rates and average single-family value and tax bill: Massachusetts Division of Local Services, Tax Rates by Class and Average Single Family Tax Bill.
- Motor vehicle excise: M.G.L. c. 60A, $25 per $1,000 of value statewide.
- Walkability: Walk Score®, provided live by Walk Score.
- Photo: John Phelan, CC BY 4.0, via Wikimedia Commons.
- Checked September 25, 2026.