Cheapest Places to Live in Massachusetts

Access hyperlocal data to help you make a confident and informed decision.

Massachusetts, known for its historical significance, prestigious educational institutions, and vibrant cultural scene, offers a range of living experiences. Landmarks such as Harvard University, the Freedom Trail in Boston, and Cape Cod National Seashore showcase the state's diverse attractions. The state's economy is diverse and robust, driven by sectors such as education, healthcare, and technology. Massachusetts' tax structure includes relatively high income and property taxes, which can impact the overall affordability for residents. Despite recent inflation and rising food costs, Massachusetts remains one of the more affordable states in the New England region, especially in its smaller towns and rural areas. The combination of a diverse economy and manageable living costs makes Massachusetts an attractive place for those seeking affordability and quality of life.

Affordable living in Massachusetts can often be found in smaller towns and suburban areas where housing costs and everyday expenses are lower. These regions provide a more manageable cost of living, which is essential for maintaining financial stability. Affordability is a key factor in livability, as it allows residents to enjoy a comfortable standard of living without undue financial strain. Factors contributing to the cheapest places to live in Massachusetts include lower housing demand in less populated areas, supportive local economic policies, and efficient public services. Using AI-assisted city-level cost of living estimates, supported by U.S. Census housing data and regional economic modeling, helps identify these affordable regions and gives potential residents a practical way to compare affordability from one city to the next. In a state known for its cultural richness and economic opportunities, finding affordable living options enhances the overall living experience.

North Adams Population: 13,232 21% cheaper than Massachusetts average

Med. Home Value: $273,278 Med. Rent: $1,197 Med. Household Inc.: $74,513

With a cost of living index that is 21% cheaper than the state average, North Adams is the cheapest place to live in Massachusetts. This area offers residents a remarkable blend of relatively low housing costs, budget-friendly grocery prices, affordable utilities, and economical health care services, making it an attractive destination for those seeking to stretch their dollars further. Whether you're a young professional, a growing family, or someone looking to enjoy a more relaxed pace of life, North Adams provides an inviting and cost-effective environment to call home.

Adams Population: 5,858 21% cheaper than Massachusetts average

Med. Home Value: $279,089 Med. Rent: $1,154 Med. Household Inc.: $66,035

The second most affordable city in Massachusetts is Adams and stands out for its cost-effective lifestyle. With an overall cost of living that is 21% cheaper than the Massachusetts average, overall goods and services, housing, utilities, transportation and health care costs fall within a reasonable range. Median household income levels are steady and come in at , which helps to increase the purchasing power of the local residents.

Athol Population: 8,568 20% cheaper than Massachusetts average

Med. Home Value: $297,289 Med. Rent: $1,235 Med. Household Inc.: $80,053

Athol lands in the #3 spot for the cheapest cities to live in Massachusetts, with a cost of living that is 20% cheaper than the state average. With home prices averaging and rental rates coming in around , it helps that household income levels average about , which assists with paying the mortgage or your monthly rent. Its robust public school system and accessible health care further enhance its appeal, making it a great place to settle down. The strong community spirit and ample recreational opportunities add to its charm.

Pittsfield Population: 44,143 18% cheaper than Massachusetts average

Med. Home Value: $314,212 Med. Rent: $1,372 Med. Household Inc.: $84,052

The cost of everyday grocery items, goods & services and of course housing, can have a significant impact on the overall cost of living in any area. Pittsfield offers a picturesque and affordable living environment, with a cost of living that is 18% cheaper than the state average. Everyday items like ground beef , eggs , coffee and pizza are all fairly reasonable compared to most other cities, which helps reduce those grocery bills. Home prices are also fairly affordable (compared to the state average), coming in at around .

Greenfield Town Population: 18,076 17% cheaper than Massachusetts average

Med. Home Value: $328,934 Med. Rent: $1,281 Med. Household Inc.: $71,989

For those wanting to live well on a budget, Greenfield Town is ideal, with a cost of living that is 17% cheaper than the state average. Reasonable housing prices (compared to the Massachusetts average) of and rental prices of are paired with economical goods and services and a range of free or low-cost recreational activities. The city's proactive economic development initiatives also ensure a steady stream of job opportunities, making it a smart choice for those prioritizing financial ease.

Gardner Population: 21,410 17% cheaper than Massachusetts average

Med. Home Value: $354,500 Med. Rent: $1,323 Med. Household Inc.: $78,258

Gardner comes in at #6 on our list of the cheapest cities in Massachusetts and is a haven for those seeking affordability without sacrificing convenience. The city is known for its discount shopping centers and budget-friendly dining options and has a cost of living that is 17% cheaper than Massachusetts. The city's local markets provide fresh produce and other groceries at reduced prices, while parks and community centers offer free entertainment and leisure. This city is perfect for enjoying a high quality of life at a low cost.

Springfield Population: 156,858 16% cheaper than Massachusetts average

Med. Home Value: $300,731 Med. Rent: $1,351 Med. Household Inc.: $61,882

With its cost-effective lifestyle, Springfield is an attractive destination for those looking to live affordably. The city boasts suitable housing costs, affordable healthcare, and a variety of budget-friendly dining options. The community is welcoming and vibrant, providing residents with a rich social life at a fraction of the cost. Median income levels come in at , which provides financial stability, purchasing power and increases the quality of life in the city.

Ware Population: 6,147 16% cheaper than Massachusetts average

Med. Home Value: $337,180 Med. Rent: $1,307 Med. Household Inc.: $64,381

A lower cost of living allows individuals to manage their expenses more effectively, reducing the risk of financial stress and debt. When essential costs such as housing, food, transportation, and healthcare are more affordable, people can achieve greater financial stability and resilience. Ware fits that mold and has a cost of living that is 16% cheaper than Massachusetts.

Holyoke Population: 41,439 15% cheaper than Massachusetts average

Med. Home Value: $361,671 Med. Rent: $1,293 Med. Household Inc.: $63,038

Lower living costs can lead to a higher quality of life by making it easier for people to afford comfortable housing, nutritious food, and access to healthcare. It can also provide opportunities for better education, recreational activities, and community engagement, contributing to overall well-being. Holyoke is one of the most affordable cities in Massachusetts, and has a cost of living that is 15% cheaper than the state average.

Fitchburg Population: 41,913 15% cheaper than Massachusetts average

Med. Home Value: $382,379 Med. Rent: $1,482 Med. Household Inc.: $80,434

With a cost of living that is 15% cheaper than Massachusetts, Fitchburg comes in at #10 on our list of the cheapest places to live in Massachusetts. Financial stress is a significant factor affecting mental and physical health. By lowering the cost of living, individuals can experience reduced anxiety related to meeting monthly expenses, thereby improving overall health and well-being. The ability to afford basic necessities without constant worry contributes to a more balanced and fulfilling life.

Full list of the cheapest places in Massachusetts

Rank	Location	Population	COL Index	Med. Home Value	Med. Household Inc.
1	North Adams	13,232	104	$273,278	$74,513
2	Adams	5,858	104	$279,089	$66,035
3	Athol	8,568	104	$297,289	$80,053
4	Pittsfield	44,143	107	$314,212	$84,052
5	Greenfield Town	18,076	109	$328,934	$71,989
6	Gardner	21,410	109	$354,500	$78,258
7	Springfield	156,858	110	$300,731	$61,882
8	Ware	6,147	110	$337,180	$64,381
9	Holyoke	41,439	111	$361,671	$63,038
10	Fitchburg	41,913	111	$382,379	$80,434
11	Chicopee	56,658	111	$343,697	$79,697
12	Palmer Town	12,662	115	$371,358	$102,725
13	Webster	11,961	116	$393,929	$73,435
14	Southbridge Town	17,257	116	$396,637	$78,547
15	New Bedford	97,315	116	$418,440	$72,672
16	West Springfield Town	29,626	117	$428,189	$82,259
17	Westfield	42,547	117	$433,409	$109,240
18	Spencer	6,007	117	$424,275	$79,909
19	Oxford	6,053	118	$460,223	$97,846
20	Leominster	42,480	118	$458,615	$93,562
21	Clinton	7,222	119	$461,737	$91,410
22	Fall River	91,437	119	$471,343	$69,372
23	Agawam Town	29,397	120	$422,358	$109,308
24	Easthampton Town	16,466	120	$484,841	$96,532
25	Worcester	189,035	120	$432,886	$78,226
26	Whitinsville	7,676	123	$625,398	$118,640
27	Randolph	34,560	123	$500,247	$96,050
28	Taunton	59,451	124	$525,746	$95,758
29	Somerset	18,700	125	$513,658	$134,926
30	Bliss Corner	5,454	125	$552,405	$94,786
31	Bridgewater	8,837	125	$492,579	$83,993
32	Lawrence	82,025	125	$503,531	$66,119
33	Attleboro	46,708	126	$558,014	$113,915
34	Lowell	114,170	126	$517,872	$91,904
35	Brockton	98,714	126	$515,496	$94,406
36	Haverhill	65,500	128	$580,789	$103,387
37	Holbrook	11,361	128	$590,916	$120,504
38	Milford	26,685	128	$578,732	$126,456
39	Northampton	29,383	129	$592,304	$105,219
40	South Amherst	5,420	129	$579,119	$73,583
41	West Yarmouth	6,612	129	$559,816	$84,935
42	Amherst Center	20,556	130	$622,124	$47,874
43	Middleborough Center	7,786	131	$593,468	$101,688
44	Methuen Town	51,590	131	$615,774	$122,464
45	Amesbury Town	17,916	131	$626,319	$123,161
46	South Yarmouth	10,841	133	$614,493	$100,400
47	Maynard	11,308	133	$665,643	$163,232
48	Hudson	15,748	133	$645,287	$131,767
49	Mansfield Center	8,240	133	$641,964	$137,759
50	Kingston	6,946	134	$658,144	$148,713

Methodology

To formulate the list of the cheapest places to live in Massachusetts, a city-level cost of living model was used with a national average baseline of 100. This framework is designed to provide a practical comparison of how far your dollar may go across different urban areas. Housing estimates incorporate the latest available U.S. Census home price and rental data, while all other values are generated using AI-assisted economic models based on expected everyday expenses, regional pricing trends, climate, transportation patterns, and local economic conditions. The overall index is weighted across key spending categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%).

Map of Cost of Living by State

Well Below nat. avg.
Below nat. avg.
Similar to nat. avg.
Above nat. avg.
Well above nat. avg.

The map above is a great way to help you discover the most affordable states across the U.S. By highlighting states with the lowest cost of living, this map provides an in-depth look at where you can get the most value for your money. By visually representing this data, the map allows users to easily compare different regions and make informed decisions about potential relocations or investments. Additionally, it provides valuable insights into the economic conditions and lifestyle factors that influence these cost of living statistics. Whether you're planning a move, considering a new job, or simply curious about the economic landscape, this map is a useful resource for understanding and navigating the financial implications of living in different states.