Cheapest Places to Live in Massachusetts

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. Utilizing C2ER's cost of living data helps to identify these affordable regions, ensuring that potential residents can make informed decisions. In a state known for its cultural richness and economic opportunities, finding affordable living options enhances the overall living experience.

North Adams Population: 12,897 28% cheaper than Massachusetts average
Med. Home Value: $149,300 Med. Rent: $782 Med. Household Inc.: $49,123
With a cost of living index that is 28% 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: 5,689 27% cheaper than Massachusetts average
Med. Home Value: $151,800 Med. Rent: $766 Med. Household Inc.: $43,932
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 27% 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.
Pittsfield Population: 42,514 24% cheaper than Massachusetts average
Med. Home Value: $176,800 Med. Rent: $907 Med. Household Inc.: $56,620
Pittsfield lands in the #3 spot for the cheapest cities to live in Massachusetts, with a cost of living that is 24% 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.
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $22,218
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. Springfield offers a picturesque and affordable living environment, with a cost of living that is 23% 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 .
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $35,978
For those wanting to live well on a budget, Springfield is ideal, with a cost of living that is 23% 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.
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $44,544
Springfield 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 23% 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: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $58,891
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.
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $25,312
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. Springfield fits that mold and has a cost of living that is 23% cheaper than Massachusetts.
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $52,261
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. Springfield is one of the most affordable cities in Massachusetts, and has a cost of living that is 23% cheaper than the state average.
Springfield Population: 153,677 23% cheaper than Massachusetts average
Med. Home Value: $162,900 Med. Rent: $908 Med. Household Inc.: $21,439
With a cost of living that is 23% cheaper than Massachusetts, Springfield 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 12,897 96 $149,300 $49,123
2 Adams 5,689 96 $151,800 $43,932
3 Pittsfield 42,514 101 $176,800 $56,620
4 Springfield 153,677 102 $162,900 $22,218
5 Springfield 153,677 102 $162,900 $35,978
6 Springfield 153,677 102 $162,900 $44,544
7 Springfield 153,677 102 $162,900 $58,891
8 Springfield 153,677 102 $162,900 $25,312
9 Springfield 153,677 102 $162,900 $52,261
10 Springfield 153,677 102 $162,900 $21,439
11 Springfield 153,677 102 $162,900 $48,164
12 Springfield 153,677 102 $162,900 $41,571
13 Springfield 153,677 102 $162,900 $24,056
14 Springfield 153,677 102 $162,900 $26,096
15 Springfield 153,677 102 $162,900 $18,276
16 Springfield 153,677 102 $162,900 $46,792
17 Springfield 153,677 102 $162,900 $66,013
18 Springfield 153,677 102 $162,900 $35,673
19 Springfield 153,677 102 $162,900 $64,907
20 Springfield 153,677 102 $162,900 $30,050
21 Springfield 153,677 102 $162,900 $47,530
22 Greenfield Town 17,477 104 $184,100 $48,724
23 Ware 5,978 104 $183,800 $42,905
24 Chicopee 55,186 105 $188,400 $52,702
25 Holyoke 40,161 106 $197,700 $42,537
26 Palmer Town 12,236 107 $201,800 $68,694
27 Athol 8,323 108 $165,100 $54,500
28 Southbridge Town 16,865 109 $214,500 $52,900
29 Webster 11,719 110 $222,100 $50,036
30 West Springfield Town 28,527 110 $235,200 $54,516
31 Spencer 5,810 111 $235,800 $52,593
32 Oxford 5,926 111 $251,800 $66,235
33 New Bedford 95,355 111 $239,000 $48,999
34 Gardner 20,605 112 $192,500 $51,708
35 Agawam Town 28,627 112 $233,400 $72,396
36 Westfield 41,303 112 $247,300 $74,456
37 Fall River 89,618 113 $256,200 $46,007
38 Worcester 185,186 114 $241,800 $51,647
39 Easthampton Town 15,930 115 $266,100 $63,657
40 Fitchburg 40,576 115 $216,500 $54,683
41 Taunton 57,327 119 $291,100 $63,433
42 Bliss Corner 5,272 120 $313,300 $63,110
43 Somerset 18,160 120 $293,000 $90,260
44 Bridgewater 8,544 120 $281,300 $56,006
45 Leominster 41,581 121 $261,300 $63,119
46 Attleboro 45,023 122 $313,400 $77,107
47 Clinton 7,058 123 $255,600 $61,034
48 Whitinsville 7,435 124 $340,600 $79,724
49 Amherst Center 20,037 124 $339,400 $32,121
50 South Amherst 5,283 124 $324,800 $48,750

Methodology

To formulate the list of the cheapest places to live in Massachusetts, AreaVibes utilized comprehensive data from the Council for Community and Economic Research (C2ER) cost of living index. The report is released annually and offers a detailed comparison of living expenses across various urban areas. The data is meticulously gathered by over 300 independent researchers, ensuring a high level of accuracy and reliability. The C2ER index encompasses more than 60 goods and services, categorized into six essential areas that significantly impact the cost of living. These categories and their respective weightings in the index are as follows: goods and services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%), and utilities (10%).

Map of Cost of Living by State

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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.

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