Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Cost of Living in Boston, MA

Boston-Cambridge-Newton, MA-NH — prices, rents and what jobs really pay here after taxes.

Price level
108.3
U.S. average = 100 · #19 of 387
Median wage
$66,620
all jobs · $4,382/mo take-home
1-bedroom rent
$2,276
HUD fair market rent
▲3.1%
Pay trend: The median for all workers in Boston, MA rose from $64,620 (May 2024) to $66,620 (May 2025). That beat inflation (2.4%), a real raise of about 0.7%.

Salary comparison calculator

What would you need to earn in Boston, MA to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
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    How expensive is Boston, MA?

    With a price level of 108.3 (U.S. average = 100), Boston, MA is more expensive than average. In detail, housing costs run 48% above average; everyday goods cost about the same as the national average; utilities run 49% above average; other services such as healthcare and dining run 4% above average. The biggest difference from the national average is in utilities.

    Prices in Boston, MA vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items108.3+8.3%
    Housing148.4+48.4%
    Goods99.7−0.3%
    Utilities148.8+48.8%
    Other services103.6+3.6%

    Source: BEA Regional Price Parities, 2024.

    Rent in Boston, MA

    UnitMonthly rentIncome needed (30% rule)
    Studio$2,153$86,120/yr
    1 bedroom$2,276$91,040/yr
    2 bedrooms$2,762$110,480/yr
    3 bedrooms$3,325$133,000/yr
    4 bedrooms$3,660$146,400/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Salary needed to live in Boston, MA

    To keep the same standard of living as in an average-priced U.S. city, you would need to earn roughly:

    Salary in an average U.S. cityEquivalent in Boston, MATake-home here
    $40,000$43,300$35,027
    $60,000$65,000$51,378
    $80,000$86,600$65,643
    $100,000$108,300$79,824
    $150,000$162,400$114,366

    Scaled by the BEA price level (pre-tax). Take-home: single filer, Massachusetts 2026 taxes. For a tax-aware comparison with a specific city, use the calculator above.

    A monthly budget on the median wage

    A single worker earning Boston, MA's median wage of $66,620 takes home about $4,382 a month. A typical one-bedroom rents for $2,276, which is 52% of take-home pay — well above the 30% guideline, so many workers here share housing or rent smaller units. That leaves about $2,106 a month for everything else.

    Take-home pay in Boston, MA

    Paycheck in Boston, MA
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $52,586
    per year · effective tax rate 21.1%
    $4,382Monthly
    $2,191Twice a month
    $2,023Every 2 weeks
    $25.28Hourly
    • Federal income tax$5,826
    • Social Security (6.2%)$4,130
    • Medicare (1.45%)$966
    • Massachusetts income tax$3,111
    • Take-home pay$52,586

    Marginal rate: 22% federal + 5.00% state

    Highest-paying jobs in Boston, MA

    JobMedian salaryTake-homeReal value*
    Natural Sciences Manager$239,200+$195,208$180,304
    Family Medicine Physician$239,200+$191,179$176,582
    Physicians, All Other$229,870$158,693$146,577
    Computer and Information Systems Manager$214,960$149,417$138,009
    Marketing Manager$213,910$148,696$137,343
    Financial Manager$209,780$145,861$134,725
    Sales Manager$206,610$143,685$132,715
    Architectural and Engineering Manager$205,130$142,669$131,776
    Human Resources Manager$184,990$128,708$118,881
    Managers, All Other$184,250$128,208$118,420
    Lawyer$183,350$127,638$117,893
    Computer Hardware Engineer$167,600$117,661$108,677
    Software Developer$166,090$116,704$107,794
    Health Specialties Teachers, Postsecondary$164,450$115,665$106,834
    Computer Network Architect$160,650$113,258$104,611
    Construction Manager$156,470$110,610$102,165
    Industrial Production Manager$153,210$108,545$100,257
    Nurse Practitioner$147,480$104,915$96,904
    Electronics Engineers, Except Computer$142,920$102,026$94,236
    Physician Assistant$142,410$101,703$93,938

    *In U.S.-average dollars after adjusting for local prices.

    Pay and living costs in Massachusetts cities

    Half of Massachusetts’s 3,637,650 workers earn less than $63,590 a year and half earn more; the middle 50% earn $44,730–$102,580 (BLS, May 2025). Prices vary a lot within the state: Boston, MA stretches a paycheck furthest, while Providence, RI is the costliest.

    Metro areaMedian payPrice level1-BR rentRent shareLeft after rent / moBuying power*
    Boston, MA$66,620108.3$2,27652%$2,106$48,571
    Providence, RI$53,680101.8$1,42340%$2,148$42,101
    Worcester, MA$57,830102.5$1,55841%$2,273$44,844
    Springfield, MA$51,93096.1$1,38240%$2,079$43,232
    Barnstable Town, MA$56,36098.4$1,84649%$1,893$45,620
    Amherst Town, MA$57,030100.2$1,58042%$2,201$45,262
    Pittsfield, MA$51,86095.1$1,28137%$2,175$43,611

    *Yearly take-home pay (on each metro’s median wage, single filer) in U.S.-average dollars. Price level: BEA RPP 2024 (U.S. = 100). Rent: HUD FY2026 one-bedroom fair market rent.

    Boston, MA vs. similar-size cities

    Metro areaPrice level1-BR rentMedian wageJobs
    Boston, MA108.3$2,276$66,6202,703,890
    Miami, FL114.2$1,942$48,6402,819,940
    Atlanta, GA100.1$1,646$51,1702,889,670
    Philadelphia, PA102.6$1,520$54,3102,897,830
    Phoenix, AZ103.3$1,583$51,3802,375,760
    San Francisco, CA115.6$2,620$74,2602,373,920
    Washington, DC108.9$1,990$71,0603,136,190

    Frequently asked questions

    Is Boston, MA expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the Boston-Cambridge-Newton, MA-NH metro area are 108.3% of the U.S. average, with housing at 148.4%. It is the #19 most expensive of 387 metro areas we track.

    What salary do you need to live in Boston, MA?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $64,960 in Boston, MA (before tax differences). The median wage across all jobs here is $66,620.

    Can you afford Boston, MA on the median wage?

    A single worker on the $66,620 median wage takes home about $4,382 a month after 2026 taxes; a one-bedroom at $2,276 would take 52% of that.

    How much is rent in Boston, MA?

    HUD’s FY2026 fair market rents for Boston, MA are $2,153 for a studio, $2,276 for one bedroom, $2,762 for two bedrooms and $3,325 for three bedrooms, including utilities.

    Top salaries by field in Boston, MA

    Management Occupations

    Business and Financial Operations Occupations

    Computer and Mathematical Occupations

    Architecture and Engineering Occupations

    Life, Physical, and Social Science Occupations

    Community and Social Service Occupations

    Legal Occupations

    Educational Instruction and Library Occupations

    Arts, Design, Entertainment, Sports, and Media Occupations

    Healthcare Practitioners and Technical Occupations

    Healthcare Support Occupations

    Protective Service Occupations

    Food Preparation and Serving Related Occupations

    Building and Grounds Cleaning and Maintenance Occupations

    Personal Care and Service Occupations

    Sales and Related Occupations

    Office and Administrative Support Occupations

    Construction and Extraction Occupations

    Installation, Maintenance, and Repair Occupations

    Production Occupations

    Transportation and Material Moving Occupations

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