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Cost of Living in
Massachusetts

Living cost is 48.68% higher than avg
Families spend upto $12,953/mo on avg
Homeowners spend $12,807/mo on avg
Renters spend $7,160/mo on avg

Cost of Living in
Massachusetts

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A Breakdown of the Cost of Living in Massachusetts

U.S. Avg.

Massachusetts

Difference Diff

Home Price

$532,491

$1,262,323

137%

Apartment Rent (per month)

$1,367

$2,938.6

115%

U.S. Avg.

Massachusetts

Difference Diff

Phone (per month)

$219.4

$195.37

11%

Total Energy (per month)

$200.23

$312.27

56%

U.S. Avg.

Massachusetts

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$6.34

Frozen Corn (per bag)

$2.41

$2.24

Frozen Meal (per package)

$4.85

$4.51

Cooking Oil (per bottle)

$6.16

$10.06

63%

Detergent (per bottle)

$19.51

$21.3

Facial Tissues (per box)

$2.85

$2.54

11%

Sweet Peas (per can)

$1.83

$1.87

Sugar (per bag)

$4.66

$4.98

Bread (per loaf)

$3.87

$4.66

21%

Frying Chicken (per lb)

$1.64

Meat & Poultry

Chicken (per lb)

$1.71

$1.69

Steak (per lb)

$14.54

$17.21

18%

Sausage (per lb)

$5.23

$5.18

Ground Beef (per lb)

$8.61

$8.17

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.24

Potato Chips (per bag)

$5.54

$4.45

20%

Coffee (per lb)

$6.55

$7.27

11%

Fresh Orange Juice (per half gallon)

$5.22

$5.39

Fruits & Vegetables

Peaches (per can)

$4.40

$3.01

32%

Lettuce (per head)

$1.98

$2.08

Bananas (per lb)

$0.64

$0.77

21%

Potatoes (per bag)

$5.58

$6.3

13%

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$5.3

13%

Margarine (per lb)

$1.30

$1.68

29%

Eggs (per dozen)

$3.98

$4.3

Whole Milk (per gallon)

$4.08

$5.01

23%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.56

28%

U.S. Avg.

Massachusetts

Difference Diff

Tire Balance (per tire)

$70.23

$96.72

38%

Gasoline (per gallon)

$2.9

$3.73

29%

U.S. Avg.

Massachusetts

Difference Diff

Doctor Visit (per visit)

$116.03

$255.42

120%

Dentist Visit (per visit)

$145.11

$157.51

Ibuprofen (per bottle)

$12.38

Prescription Drug (per month)

$20.8

$22.81

10%

Optometrist Visit (per visit)

$95.27

$192.08

102%

U.S. Avg.

Massachusetts

Difference Diff

Women’s Slacks

$35.43

$43.14

22%

Boys’ Jeans

$29.47

$25.67

13%

Men’s Shirt

$39.36

$48.76

24%

Wine (per bottle)

$7.51

$13.77

83%

Beer (per 6-pack)

$11.17

$11.14

Veterinary Services (per visit)

$65.33

$118.95

82%

Tennis Balls (per pack)

$3.59

$5.86

63%

Yoga (per class)

$12

$29.6

147%

Movie (per ticket)

$11.67

$15.67

34%

Newspaper (per copy)

$19.31

$21.89

13%

Washer Repair (per service)

$109.47

$109.21

Women Slacks

$34.88

$40.12

15%

Boy Jeans

$29.51

$25.64

13%

Man Dress Shirt

$39.05

$45.44

16%

Dry Cleaning (per item)

$13.45

$26.17

95%

Shampoo (per bottle)

$1.55

$1.93

24%

Toothpaste (per tube)

$3.64

$4.3

18%

Beauty Salon (per visit)

$47.5

$74.05

56%

Haircut (per cut)

$27.08

$35.71

32%

Fried Chicken (per serving)

$4.37

$5.64

29%

Pizza (per pizza)

$11.99

$14.13

18%

Hamburger (per serving)

$5.28

$9.54

81%

The price of living in Massachusetts is 48.68% higher than the national average. The Bay State is known for its rich history, world-renowned universities like Harvard and MIT, and beautiful coastlines. With Boston being a major economic hub and a gateway to New England, housing demand in the state remains high, pushing prices well above the national median.

Housing in Massachusetts is 137% higher than the national median. The median home price in the state is $1,262,323.00, which is notably higher than the national median. If you're planning to buy a home, note that monthly mortgage payments here will be 30% to 40% higher than the national average. Also, expect to put down 15 to 20% of the home's price upfront as your down payment.
Renting in Massachusetts is 115.0% higher than the national average. A one-bedroom apartment in Boston averages $2,700 per month, while a two-bedroom typically costs around $3,400. Upscale areas like Cambridge and Brookline see even higher prices. While you may get amenities like fitness centers and in-unit laundry, don't expect a backyard or dedicated parking in most rental units, especially in central Boston and nearby urban neighborhoods.
Utilities in Massachusetts are 23% higher than the national average, typically ranging from $200 to $250 per month. This includes electricity, water, sewer, and trash services. Heating costs are significant during Massachusetts' cold winters, so expect higher utility bills in the colder months. Property taxes in the state are also among the highest in the country, further contributing to the elevated cost of living.
Food prices in Massachusetts are 8% higher than the US median. A gallon of milk costs approximately $5.01, compared to the national average of $3.40. For a family of four, monthly grocery bills can range between $1,200 and $1,500, depending on dietary habits. A single adult can expect to spend around $400 to $600 per month on groceries. Dining out is also on the expensive side here, with average meals costing $20 to $40 per person at mid-range restaurants.
Transportation costs in Massachusetts are 47.64% higher than the US average, with gas prices at $3.73 per gallon. Monthly car insurance premiums average $1,200 annually, 15% above the national average. For commuters, tolls, parking fees, and frequent vehicle maintenance, especially in older urban areas, can make car ownership expensive. MBTA passes in cities like Boston also add to monthly expenses.
Healthcare in Massachusetts is 43.33% higher than the national average, but the state is known for its top-tier healthcare services. A routine check-up costs around $255.42, which is on par with other high-cost states like New York or California. However, emergency room visits can be pricey; you could pay $1,500 to $3,000 for an emergency visit without insurance, depending on the severity and location.
Miscellaneous expenses in Massachusetts are 10% higher than the national average. Gym memberships typically cost $60 to $100 per month, while cultural and leisure activities (museum tickets, live theater, or Red Sox games) can significantly raise weekend spending. A day trip to Cape Cod can cost over $100 for a family, including gas, meals, and entry fees. In urban areas, childcare costs are especially high, averaging $1,200 to $1,500 per month for full-time care.

Moving to Massachusetts? Be ready for higher living costs, especially near Boston. But the history, culture, and New England charm are free—just make sure your paycheck can keep up! 👉 Next Step: Compare single-family homes in Massachusetts.

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Is Living in Massachusetts Expensive?

Yes, Massachusetts is expensive to live in, especially in areas like Boston and Cambridge. Massachusetts' cost of living is 48.68% higher than the national average. Housing costs are a major contributor, with the median home price being 137% higher than the US median.

With a budget of $700K, you might get a small townhouse in Boston or Cambridge, which may not come with a yard or extensive amenities. In contrast, the same budget could buy a larger home with more space in areas like Worcester or Springfield. Rising utility costs, transportation, and miscellaneous expenses further add to the cost of living in the state.

Housing in Massachusetts

If you're buying a home in Massachusetts, know that housing in the state is 137% higher than the US average, making it one of the most expensive markets in the Northeast. With mortgage rates typically ranging from 6.5% to 7%, and HOA fees adding $300 to $600, your monthly payments will stack up fast. Let's break down the costs for a Massachusetts home:

Buying a House in Massachusetts

For young adults or singles, neighborhoods like Somerville, Cambridge, and Jamaica Plain are popular due to their proximity to Boston and access to public transit. Homes in these areas typically range from $1,262,323.00; monthly mortgage payments average $6,000 to over $8,000, depending on home size. You can also find budget-friendly condos in Lowell or Worcester for around $250,000 to $400,000.
For married couples with young children (under 6), cities like Newton and Lexington offer excellent schools (like Brookline Public Schools and Lexington Public School) and family-friendly amenities. Homes in Newton range from $650,000 to $1.2 million, with mortgage payments averaging $3,500 to $5,000 per month.
For married couples with older children (ages 6 to 17), you can find multi-family homes in Andover ranging from $800,000 to $1.5 million. Towns like Needham and Wellesley offer spacious three-bedroom homes with large yards, perfect for families. These areas also provide access to top schools like Needham High School and Wellesley High School, known for their strong academic programs and extracurricular activities.

Renting a House in Massachusetts

Renting in Massachusetts is 115.0% higher than the national average. While the typical US rent sits around $1,530, Massachusetts renters pay $2,200 to $3,500, depending on their neighborhood and apartment size. Let’s break down living expenses in Massachusetts for renters:

For young adults or singles, renting a one-bedroom home in Boston, Cambridge, or Somerville generally costs $2,200 to $3,200 per month. These areas are popular due to their proximity to job centers and social activities. Cambridge offers a mix of modern apartments and brownstones, while Boston provides access to amenities and public transit. For more affordable options, properties in Lowell or Worcester rent from $1,700 to $2,100, with commuter rail access into Boston.
For married couples with young children (under 6), family-friendly towns like Lexington, Newton, and Brookline are suitable. Rent for a two-bedroom home in Brookline ranges from $2,600 to $4,000 per month. These areas have quality public schools, parks, and recreation centers, like Brookline’s Coolidge Corner and Newton’s Crystal Lake.
For families with older children (ages 6 to 17), renting a three-bedroom home in Needham, Wellesley, or Andover typically costs $3,500 to $5,500 per month. These neighborhoods offer larger homes with spacious yards, and access to highly-ranked schools like Needham High School and Wellesley High School. Public transportation is available, but many families opt for a car for convenience.
If you're downsizing, consider Cape Cod, Plymouth, or Northampton for more affordable options. Rent for a one- or two-bedroom condo in these areas ranges from $1,800 to $2,800 per month. They offer a quieter pace of life, access to nature, and amenities like shops, restaurants, and healthcare—perfect for seniors seeking a low-maintenance lifestyle.
International students should budget $2,500 to $3,500 per month for a shared apartment in Cambridge, Boston, or Amherst. Roommates can help reduce rental costs by 20% to 30%, especially in neighborhoods like Sweetwater or Westchester, where students stay close to campuses.

Utilities in Massachusetts

Food and Groceries in Massachusetts

Transportation in Massachusetts

Healthcare in Massachusetts

Healthcare costs in Massachusetts are 43.33% higher than the national average, but the state's top-tier medical care helps justify the higher costs. While routine check-ups might be somewhat affordable, specialized procedures and treatments can be expensive. Here's a breakdown of medical costs in Massachusetts:

Doctor Visit — $255.42+ per visit: Routine doctor visits in Massachusetts typically cost about $255.42 per visit. This covers general consultations for common ailments, such as cold symptoms, blood pressure checks, or routine screenings. Specialized visits, such as dermatology or cardiology, may cost more depending on the provider.
Dentist Visit — $157.51+ per visit: A routine dental cleaning in Massachusetts averages around $157.51, which is slightly above the national average. Basic procedures like fillings range from $150 to $250, while more advanced treatments such as crowns or root canals can be significantly higher.
Optometrist Visit — $192.08+ per visit: Routine eye exams in Massachusetts typically cost $192.08, a little above the national average. This includes vision checks and prescription updates. For more specialized services, such as contact lens fittings or treatments for eye conditions, you can expect to pay $50 to $150 more.
Prescription Drugs — $22.81+ per package: For chronic conditions, medications like Lisinopril (for high blood pressure) can cost around $15 to $25 per month without insurance. Medications for conditions like type 2 diabetes can cost $20 to $45 per month. For short-term conditions, common antibiotics like Amoxicillin may cost between $20 and $40 per month.
Over-the-Counter Meds — $12.38+ per package: Common over-the-counter medications, such as ibuprofen, allergy relief, and cold medications like DayQuil or Mucinex, generally cost between $12 and $15 per package. Massachusetts residents also have access to a variety of local pharmacies and wellness stores, making it easier to find what you need.

Healthcare in Massachusetts is more expensive than in states like New York or California, or some areas of the Midwest. However, you can benefit from world-class medical care at leading hospitals like Massachusetts General Hospital. Along with access to specialized treatments and well-regarded health professionals, the state's emphasis on preventive care and healthy living may also help reduce long-term medical costs.
It's essential to have health insurance in Massachusetts, where doctor visits typically cost around $255.42*. Monthly premiums for health insurance plans can range from $600* to $1,200*, depending on coverage and personal circumstances.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Massachusetts

Miscellaneous expenses in Massachusetts are 30.78% higher than the national average. From dining out to personal care, everyday spending in the Bay State can add up quickly, contributing to higher living costs in Massachusetts. Here's a breakdown:

Food and Drinks: Dining out in Massachusetts can be pricey, especially in cities like Cambridge or Boston. A burger at a local diner costs around $8.50, while a sit-down meal with an entrée, side, and drink can easily exceed $40 per person. Popular dishes like tacos typically range from $5 to $8 each, while a slice of pizza costs about $4 to $6 depending on location. Sushi rolls at mid-range restaurants can range from $15 to $22. A cup of brewed coffee averages around $4.50, and a local craft beer costs around $7–$10 at most bars.
Personal Care and Grooming: Looking the part in Massachusetts can be expensive. A haircut typically costs around $30 to $45, while a beauty salon visit averages $60–$75. Skincare treatments range from $70 to $150 per session, and manicures usually cost about $30. Massages and other spa services start around $85 for a one-hour session.
Clothing and Laundry: Staying sharp in Massachusetts, especially during the colder months, means you need to spend on quality clothing. Expect to pay about $45 for a dress shirt, and around $35 for jeans. Professional dry cleaning costs about $18 to $25 per visit, whereas at-home laundry is the go-to for more budget-conscious buyers.
Fitness and Entertainment: Staying active and entertained in Massachusetts can be expensive. A yoga class typically costs about $20 to $30, while movie tickets average around $15 each. While fitness studios and gyms often charge $50 to $100 per month, you can enjoy outdoor activities like hiking, cycling, or running along the scenic Charles River at little to no cost.
Pet-Related Expenses: A routine veterinary visit costs around $80 to $100, and emergency care can quickly climb past $500. Massachusetts is home to numerous pet-friendly parks, such as Boston Common and Arnold Arboretum, where pets are always welcome. Outdoor spaces like Jamaica Pond in Brookline also offer leash-free areas for dogs to roam.

What Salary Do You Need to Live in Massachusetts?

The average salary in Massachusetts is 48.68% higher, but that may not stretch far in a state where everyday costs climb well above the national average. With high housing prices, steep utility bills, and costly childcare, most residents need a significantly higher income to live comfortably.

Homeowners spend $153,689.00 per year: This includes mortgage payments, property taxes, insurance, and upkeep. These are especially higher in cities like Boston, Cambridge, or Newton, where home prices are among the highest in New England.

Renters spend $85,915.00 per year: Monthly rent for one- to two-bedroom homes in urban areas can easily exceed $2,938.60. Add in utilities, groceries, healthcare, and transit costs, and the annual burden quickly grows.

Families with kids spend $155,436.00 per year: Childcare, education expenses, healthcare, and the need for a larger home all push family budgets to the limit. Families in high-cost areas will need a six-figure income to maintain a modest standard of living.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Massachusetts cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Massachusetts's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Massachusetts?

The cost of gas in Massachusetts averages $3.73 per gallon. Prices can rise during winter months due to increased heating demand and increased travel around the holidays. Traffic congestion in major cities can lead to longer commutes and more frequent refills.

Is Massachusetts a good place to live?

Yes, Massachusetts is a great place to live if you value rich history, excellent education, and cultural diversity. The state boasts top-ranked universities, renowned healthcare institutions, and beautiful landscapes. Cities like Boston, Cambridge, and Wellesley offer a high quality of life with solid job opportunities.

What is the average cost of living in Massachusetts per month?

The average monthly cost of living in Massachusetts is 48.68% higher than the national average. Cities like Boston, Cambridge, and Brookline are among the most expensive places to live, while more affordable housing is available in areas like Worcester, Pittsfield, and Springfield.

What is the average rent in Massachusetts?

A one-bedroom apartment in Massachusetts typically rents for $2,938.60 per month, with Boston and Cambridge being the priciest areas. Premium neighborhoods like Back Bay and Seaport District feature luxury apartments with amenities like pools, fitness centers, and concierge services.

How much is rent for a two-bedroom apartment in Massachusetts?

A two-bedroom apartment in Massachusetts typically costs around $3,500 to $5,500 per month. Expect higher rents in areas like Cambridge, Brookline, and Newton, which offer close proximity to schools, parks, and public transportation.

What is the average price of utilities in Massachusetts?

Utilities in Massachusetts generally range from $300-$627 per month. This includes electricity, water, sewer, and trash services. Winter heating costs can be substantial, especially for homes with electric or gas heating systems, which is common in many parts of the state.

How much is childcare in Massachusetts?

If you're moving to Massachusetts with your family, childcare costs can range from $1,100 to $1,600 per month for toddlers. Prices vary by area, with daycare centers in Cambridge and Boston costing more than those in suburban areas like Framingham or Lowell. The high demand for childcare in Massachusetts drives prices up, especially in densely populated or high-income areas.