Massachusetts cost of living index: 100 (0% below the national average). Massachusetts has state income tax (top rate: 5.00%). Data as of January 2026.
📣 Massachusetts at a Glance
100
Cost Index (nat'l=100)
5.00%
State Income Tax (Top Rate)
1,900
Median Monthly Rent
ⓘ Public Data Source: Missouri Economic Research and Information Center. Data as of January 2026.
📊 Cost of Living Breakdown
Category
Massachusetts
National Avg
Difference
Overall Cost Index
100
100
-0%
State Income Tax
5.00%
5% (avg)
Average
Median Rent
$1,900/mo
$1,200/mo (avg)
+58%
🏢 Major Metro Areas in Massachusetts
Cost of living varies significantly between metro areas within Massachusetts. Major cities typically have higher housing costs.
Or ask AI: "Compare Massachusetts vs Florida cost of living"
Frequently Asked Questions
What is the cost of living in Massachusetts in 2026?
Massachusetts has a cost of living index of 100 compared to the national average of 100. Massachusetts is 0% more affordable than the national average. Housing, groceries, utilities, transportation, and healthcare costs all factor into this index.
Is Massachusetts expensive to live in?
Massachusetts is more affordable than the national average. Residents typically pay less across most cost categories compared to most other states. The biggest driver of cost variation is housing prices in metropolitan areas.
How does Massachusetts's cost of living compare to other states?
Massachusetts's cost of living index of 100 compares to an average state around 100, meaning Massachusetts is notably more affordable than most other states. The most significant differences are in housing costs and state income taxes.
Does Massachusetts have a state income tax?
Massachusetts has a state income tax with rates up to 5.00%. State income tax is withheld from every paycheck.
What's the average salary needed to live comfortably in Massachusetts?
To live comfortably in Massachusetts (covering housing, food, transportation, healthcare, and modest savings), a single adult typically needs $55,000-$85,000/year. A family of four generally needs $90,000-$150,000/year depending on location and lifestyle. These estimates assume renting a modest apartment or owning a median-priced home.