Considering a move to Massachusetts? With its mix of historic charm, world-class education, and thriving job markets—from Boston’s innovation corridor to the maritime vibes of the North Shore—the Bay State has plenty to offer newcomers. However, these benefits come at a steep price.
Massachusetts ranks as the second most expensive state in 2025, with a cost-of-living index of 145.9. Living comfortably here means budgeting for some of the nation’s highest housing, utility, and childcare costs, while still enjoying the unique draws of Boston, Worcester, and Cambridge.
TL;DR: Average Cost of Living in Massachusetts 2025
- Cost-of-Living Index: 145.9 (National average = 100)
- Average Rent (2BR): $3,200/month (92% above national average)
- Median Home Price: $708,300 (70% above national median)
- Average Monthly Utilities: $723 (Top 5 in US)
- Average Grocery Bill: $1,178/month
- Monthly Transportation: 9% above national average
- Required Salary (Comfortable): $120,141/year (single); $313,747/year (family of four)
- Childcare (two children): $31,879/year (highest in US)
Understanding Massachusetts’ Cost of Living
The average cost of living in Massachusetts is well above the national average. As of 2025, living comfortably requires a salary of $120,141 a year for a single adult, and a striking $313,747 per year for a family of four—the highest figure in the country.
Here’s a simple breakdown of key monthly expenses:
- Housing (2BR rental): $3,200
- Utilities: $723
- Groceries: $1,178
- Health insurance (Silver plan, single): $500
- Transportation: 9% above US average (e.g., Boston T-pass: $90/month)
- Childcare (if needed): $2,656/month
Boston leads with the highest costs. However, mid-sized cities like Cambridge, Newton, and Framingham also track above neighboring states’ averages. Even in Western Massachusetts, costs stay well above national norms.
Housing and Rental Market in Massachusetts
Massachusetts’ housing market plays a key role in the state’s average cost of living. It creates challenges for renters, buyers, and families alike.
- Average rent (all types): $3,000/month
- Average rent (2BR): $3,200/month (92% above US average)
- Median home price: $708,300 (some estimates toward $750,143)
Housing Costs Compared to Peer States
- Vs. Connecticut: 2BR rent (+74%), home prices (+48%)
- Vs. New Hampshire: 2BR rent (+77%), home prices (+30%)
- Vs. Rhode Island: 2BR rent (+40%), home prices (+32%)
- Vs. California: 2BR rent (+43%), home prices slightly lower (by ~$43K)
Boston and Cambridge routinely set the state’s high marks for rents and home prices. This is driven by tech, biotech, and university demand. Worcester and Springfield offer lower median prices. Still, demand is rising there, keeping prices above the national average.
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Utilities and Other Living Expenses
Utility costs in Massachusetts are among the top five in the US. The average bill is $723 per month. Electricity alone averages $162 monthly—higher than in most states except Connecticut.
Utility Costs Compared to Other States
- Massachusetts’ average of $723/month is slightly lower than Connecticut ($794), but higher than Rhode Island ($712) and New Hampshire ($600).
- For perspective, California’s utilities are much lower, ranging from $320 to $425/month.
Grocery bills average $1,178/month. This is especially high in Greater Boston. Meanwhile, food inflation stands at about 6.6% year-over-year.
Grocery Cost Comparison
- Massachusetts’ grocery costs are slightly higher than Connecticut ($1,146), but significantly above Rhode Island ($1,019) and New Hampshire ($1,020).
- By comparison, California’s groceries are somewhat higher, averaging up to $1,288 per month.
Healthcare is another costly factor—17% above the national average. Expect to pay about $500/month for an individual Silver health plan. Only Connecticut and New Hampshire sometimes surpass these costs.
Transportation costs are 9% higher than the US average. For example, Boston’s monthly T-pass costs $90. Gas prices run about 6% above the norm. Costs in Worcester or Springfield are more reasonable but remain above national averages.
Income and Job Market Overview
Massachusetts’ strong job market supports some of the highest household incomes in the country. However, those incomes are essential to offset high living costs.
- Required salary (single): $120,141/year
- Required salary (family of four): $313,747/year
Nearby states are more affordable:
- Connecticut: $52,581 (single), $134,461 (family)
- New Hampshire: $51,552 (single), $119,174 (family)
- Rhode Island: $50,669 (single), $91,543 (family)
- California: $59,740 (single), $133,475 (family)
Metro Boston, Cambridge, and Kendall Square offer strong career opportunities in technology, education, and healthcare. These support higher salary levels.
Is Massachusetts Living Cost Worth It?
Massachusetts is undoubtedly expensive. However, its quality of life, educational access, and economic strength often justify the costs. Access to global employers, world-class healthcare, and unique regional communities—from tech hubs to creative towns—remains attractive.
On the other hand, families face the highest childcare costs in the country. Renters can expect competition for apartments. Still, those prioritizing career growth and cultural amenities find Massachusetts appealing.
Regional Insights and Relocation Tips
- Greater Boston: The highest rents and home prices, but great job opportunities and public transit.
- Worcester: A growing tech hub with cheaper housing than Boston, but prices remain above the national average.
- Cambridge/Somerville: Popular among students and biotech professionals; expect fierce rental markets.
- Western Massachusetts (Springfield, Amherst): Slightly lower costs, but job markets are specialized.
- North Shore/South Shore: A mix of price levels, with coastal towns generally more expensive.
If relocating to Massachusetts, factor in high utilities and childcare costs. Also, consider the required salaries to live well.
Conclusion on Massachusetts’ Cost of Living
Massachusetts is a costly state, but its economy, education, and culture remain strong draws. It tops the region in most expenses, surpassing even California in several categories. For those with high incomes valuing amenities, it remains a top choice.
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FAQs About Massachusetts’ Average Cost of Living
Are groceries and utilities more expensive in Massachusetts than nearby states?
Yes. Both groceries and utilities in Massachusetts are higher than in nearby states like Connecticut and New Hampshire.
What is the average rent in Massachusetts?
The average rent for a two-bedroom apartment is $3,200 per month, about 92% above the national average.
What salary do I need to live comfortably in Massachusetts?
A single adult needs roughly $120,141 per year, while a family of four requires about $313,747 annually.
Is Massachusetts more expensive than California?
Yes. In 2025, Massachusetts’ cost-of-living index and housing costs are slightly higher than California’s.
How does Massachusetts compare to Connecticut, New Hampshire, and Rhode Island?
Massachusetts leads the region in nearly all costs, especially housing, utilities, and childcare. Neighbor states are more affordable.
