Southwick center
454 College Highway, Southwick, MA 01077
Living in Southwick, Massachusetts
Southwick is a town in Hampden County, part of the Springfield metropolitan area, and the southernmost town in western Massachusetts because of a panhandle-shaped border known as the 'Southwick Jog.' The town is built around the Congamond Lakes, a chain of three connected ponds straddling the Connecticut line, and Provin Mountain, a trap-rock ridge that forms its eastern border.
Southwick at a glance
- $14.42Residential tax rate per $1,000, FY2026
- $6,187Average single-family tax bill, FY2026
- 20-25 minDrive to Springfield
- HampdenCounty
Southwick's villages and zip codes
Southwick uses a single ZIP code, 01077, for the entire town, including the Congamond Lakes area.
| Area | Zip code | Where it is |
|---|---|---|
| Southwick center | 01077 | Along College Highway (US 202/MA 10) at the town center, where Town Hall, the library and municipal offices are located. |
| Congamond | 01077 | The lakeside area around the Congamond Lakes near the Connecticut border, with the town's public boat ramps and the Southwick Rail Trail. |
Things to do in Southwick, MA
Start with Congamond Lakes boat ramps and Southwick Rail Trail, then 2 more below.
Congamond Lakes boat ramps
The town manages two public boat ramps on the middle basin of the Congamond Lakes: a double concrete ramp with a fishing pier and picnic area off Point Grove Road, and a single ramp off Berkshire Road. Launching requires a fee.
Point Grove Road and Berkshire Road, Southwick, MA
Plan a visit to Congamond Lakes boat ramps (opens in a new tab)Southwick Rail Trail
A paved multi-use trail built on the former New Haven and Northampton Company rail bed, which itself followed the route of the 19th-century Farmington and Hampshire and Hampden canals. The trail runs from Southwick toward Granby, Connecticut.
Trailheads off College Highway, Southwick, MA
Metacomet-Monadnock Trail over Provin Mountain
This 114-mile hiking trail skirts the wetlands of Harts Pond before climbing Provin Mountain, a trap-rock ridge and cliff line that forms Southwick's eastern border and is part of the larger Metacomet Ridge.
Trail access near Feeding Hills Road, Southwick, MA
Whalley Park
A town park and recreation site with a splash pad added in recent years, funded through the town's Community Preservation Committee. The splash pad has no reservation system and may close for weather or maintenance.
Whalley Park, Southwick, MA
Plan a visit to Whalley Park (opens in a new tab)
More worth a visit
- Laflin-Phelps HomesteadThe oldest standing structure in Southwick, built soon after the town was first settled.
A little history
Southwick was incorporated as a separate district of Westfield on November 7, 1770 and became a fully independent town the same year; a border dispute with Connecticut over the resulting 'Southwick Jog' was not settled until 1804, leaving Southwick as the southernmost town in western Massachusetts.
The Farmington Canal and the Hampshire and Hampden Canal ran through Southwick in the early 1800s, and when a railroad replaced the canal in the late 1840s it brought an ice-harvesting industry and lakeside resorts to the Congamond Lakes.
Tobacco farming and ice harvested from the Congamond Lakes, once shipped by rail as far as New York City and Boston for food storage, were significant local industries before electric refrigeration became widespread.
Parks, trails and outdoors in Southwick
The Congamond Lakes and Provin Mountain give Southwick its outdoor recreation, from boating and fishing on three connected ponds to a hiking trail along a trap-rock ridge on the town's eastern border.
- Congamond LakesThree connected basins (North, Middle and South Pond) on the Connecticut border, with town-run public boat ramps on the middle basin.More information
- Southwick Rail TrailA paved trail on a former rail bed, part of the historic Farmington Canal corridor, running toward Granby, Connecticut.
- Metacomet-Monadnock Trail / Provin MountainA hiking trail that passes Harts Pond's wetlands before climbing the trap-rock ridge of Provin Mountain.
- Whalley ParkA town park with a splash pad and open space for recreation.More information
Where to eat in Southwick: restaurants and coffee
1 places in Southwick to try, including bar and restaurant. No one paid to be listed.
The Southwick Inn
Bar and restaurant
A bar and restaurant in a building dating to 1906, serving a full menu with dine-in and takeout and hosting live music.
479 College Highway, Southwick, MA 01077 · thesouthwickinn.com
Walkability and getting around Southwick
Southwick is built for driving. College Highway (Route 202/10) through the town center has sidewalks near Town Hall and the library, but most neighborhoods, the lakes and the rail trail require a car to reach.
Congamond
Drive times
- Springfield, about 12 miles20-25 min
- Bradley International Airport, about 18 miles25-30 min
Approximate, without traffic.
By bus or train
Southwick has no train station; the nearest Amtrak and Valley Flyer/Hartford Line service runs through Springfield. Check pvta.com for current PVTA bus routes serving the Southwick area.
Southwick property taxes
Southwick's most recent certified residential tax rate is $14.42 per $1,000 of assessed value, for FY2026 (July 2025 to June 2026). Massachusetts assesses homes at full value, so each $100,000 of assessed value costs about $1,442 a year. The average single-family tax bill was $6,187, on an average assessed value of $429,058.
Southwick's FY2026 tax rates
$14.42per $1,000, residential
- Residential$14.42 per $1,000
- Average single-family assessed value$429,058
- Average single-family tax bill$6,187
- 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 | $16.98 |
| FY2023 | $16.11 |
| FY2024 | $15.47 |
| FY2025 | $15.57 |
| FY2026 | $14.42 |
Look up a Southwick property
- FEMA flood mapWhether a lender will require flood insurance
- Town ClerkVital records and town records
- Assessors' officeQuestions about a value: 413-569-0565
- Hampden County Registry of DeedsDeeds and mortgages for the county
Buying a home in Southwick
Things to look into on a Southwick purchase: MassHousing limits, the flood map, the smoke certificate, foundations, wells & septic, lake access.
MassHousing home loans
MassHousing sets income limits by community, and they depend on household size and loan program. We check them with you before you shop.
MassHousing home loans (opens in a new tab)Check the flood zone first
Low-lying parcels near the Congamond Lakes and Great Brook, where the historic Farmington and Hampshire and Hampden canals once ran, may fall within FEMA-mapped flood zones. We take an early look at FEMA's map before you offer. That's not a flood determination: the official determination ordered with your loan decides whether flood insurance is required.
FEMA's flood map for Southwick (opens in a new tab)Smoke and CO certificate
Massachusetts requires the seller to get a smoke and carbon monoxide certificate from the Southwick Fire Department before the sale closes.
Ask about foundation testing
The Massachusetts Geological Survey at UMass Amherst lists Southwick among the towns at moderate risk (within 30 miles) of the Connecticut concrete plant that distributed pyrrhotite-affected concrete, based on the 2019 state Special Commission report. On a home with a poured concrete foundation, ask whether it has been tested.
UMass pyrrhotite guide (opens in a new tab)Board of Health oversees wells and septic systems
The Board of Health oversees private wells and individual septic systems used by many properties in Southwick. Buyers should confirm well and septic status for a specific property, and sellers on septic typically need a Title 5 inspection before closing.
Board of Health (opens in a new tab)Massachusetts requires a fire department certificate before closing
Massachusetts law requires a smoke detector and carbon monoxide detector compliance certificate from the local fire department before a home sale closes. Contact the Southwick Fire Department to schedule the inspection.
Southwick Fire Department (opens in a new tab)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 Southwick?
We're licensed in Massachusetts. Send us a Southwick address and we'll run the numbers, taxes included.
Moving to Southwick: utilities, trash and town hall
Who to call in Southwick: Eversource delivers electricity in Southwick; the town has also run a municipal aggregation ('community choice') program that competitively bids the electricity supplier while Eversource continues to deliver power, read meters and respond to outages. for power.
- ElectricEversource delivers electricity in Southwick; the town has also run a municipal aggregation ('community choice') program that competitively bids the electricity supplier while Eversource continues to deliver power, read meters and respond to outages.
- Trash and recyclingSouthwick does not run a municipal curbside program. Residents either contract with a private hauler or use the town transfer station with a permit.
- 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
Southwick Transfer Station
22 Industrial Road, Southwick, MA 01077
Transfer station details (opens in a new tab)Town Hall offices and contacts
Southwick Town Hall is at 454 College Highway, Southwick, MA 01077. Hours: Monday-Friday, 8:30 AM-4:30 PM. Main line: 413-569-3137.
- Town HallMain line and website413-569-3137
- Town ClerkLand records, vital records, and elections.
- AssessorProperty values, assessments and the annual tax rate.413-569-0565
- Tax CollectorProperty tax billing and payment.
- Building DepartmentBuilding permits and inspections.
- Planning & ZoningZoning bylaws, permits and land-use applications.
- Parks & RecreationTown parks, including Whalley Park, and recreation programs.413-569-5701
- Public WorksRoads, town facilities and infrastructure.
- Board of HealthPrivate wells, individual septic systems and Title 5 inspections.413-569-1212
- Southwick Public LibraryThe town's public library.
- Southwick-Tolland-Granville Regional School DistrictThe regional school district serving Southwick, Tolland and Granville.
Southwick, MA FAQ: taxes and town services
What is the property tax rate in Southwick, MA?
Southwick's most recent certified residential tax rate is $14.42 per $1,000 of assessed value, for FY2026 (July 2025 to June 2026). Massachusetts fiscal years run July 1 to June 30.
How much are property taxes on a $400,000 home in Southwick?
Massachusetts taxes homes on their full assessed value. If a home is assessed at $400,000, that's about $5,768 a year at $14.42 per $1,000. The bill uses the assessor's value, not the sale price.
Does Southwick have a split tax rate?
No. Southwick uses a single rate of $14.42 per $1,000 for all property classes.
What is the average single-family tax bill in Southwick?
The average single-family tax bill in Southwick was $6,187 for FY2026, on an average assessed value of $429,058.
Does Southwick have curbside trash pickup?
The town does not run a municipal curbside program. Residents either contract with a private hauler or use the town transfer station on Industrial Road with a permit.
Who supplies electricity in Southwick?
Eversource delivers electricity in Southwick. The town has also run a municipal aggregation program that competitively bids the electricity supply while Eversource continues to deliver power.
What ZIP code does Southwick use?
Southwick uses a single ZIP code, 01077, for the whole town, including the Congamond Lakes area.
What is the 'Southwick Jog'?
The Southwick Jog is the panhandle-shaped stretch of Southwick's border into Connecticut, set by an 1804 boundary compromise between Massachusetts and Connecticut. It makes Southwick the southernmost town in western Massachusetts.
Towns near Southwick
Neighbors of Southwick, including across the Connecticut line where it applies. All Massachusetts town guides.
Sources
- Southwick, Massachusetts - Wikipedia: en.wikipedia.org
- Southwick Regional School - Wikipedia: en.wikipedia.org
- Town of Southwick official website: southwickma.gov
- Board of Assessors | Southwick, MA: southwickma.gov
- Board of Health | Southwick, MA: southwickma.gov
- The Southwick Massachusetts Fire Department - Contact Us: southwickfire.org
- Whalley Park | Southwick, MA: southwickma.gov
- Congamond Lakes | Mass.gov: mass.gov
- Southwick Community Choice Power Supply Program - Colonial Power Group: colonialpowergroup.com
- Transfer Station Fees | Southwick, MA: southwickma.gov
- The Southwick Inn: thesouthwickinn.com
- Congamond Lakes Middle Pond 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® ratings, provided live by Walk Score. Addresses are located with the U.S. Census Bureau geocoder.
- Photo: "Congamond Lakes Middle Pond, Southwick MA" by John Phelan, CC BY 4.0, via Wikimedia Commons; resized.
- Checked September 25, 2026.