Newbury spans from the inland Old Town area to the Plum Island barrier beach, creating two distinct markets within one town. Plum Island properties—primarily cottages and raised-foundation homes—carry significant flood insurance requirements and are in a FEMA high-risk flood zone, with annual insurance premiums that can run several thousand dollars. Inland Newbury features antique farmhouses and colonials on larger lots, generally priced from the $500Ks to $800K+. The town has no municipal sewer system, so all properties use septic. Newbury is part of the Triton Regional School District alongside Rowley and Salisbury.