Cost of Living in Boston, MA
Boston-Cambridge-Newton, MA-NH — prices, rents and what jobs really pay here after taxes.
Salary comparison calculator
What would you need to earn in Boston, MA to keep the same lifestyle — after taxes — as in another city?
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
| Category | Index (U.S. = 100) | Difference |
|---|---|---|
| All items | 108.3 | +8.3% |
| Housing | 148.4 | +48.4% |
| Goods | 99.7 | −0.3% |
| Utilities | 148.8 | +48.8% |
| Other services | 103.6 | +3.6% |
Source: BEA Regional Price Parities, 2024.
Rent in Boston, MA
| Unit | Monthly rent | Income 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. city | Equivalent in Boston, MA | Take-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
- 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
| Job | Median salary | Take-home | Real 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 area | Median pay | Price level | 1-BR rent | Rent share | Left after rent / mo | Buying power* |
|---|---|---|---|---|---|---|
| Boston, MA | $66,620 | 108.3 | $2,276 | 52% | $2,106 | $48,571 |
| Providence, RI | $53,680 | 101.8 | $1,423 | 40% | $2,148 | $42,101 |
| Worcester, MA | $57,830 | 102.5 | $1,558 | 41% | $2,273 | $44,844 |
| Springfield, MA | $51,930 | 96.1 | $1,382 | 40% | $2,079 | $43,232 |
| Barnstable Town, MA | $56,360 | 98.4 | $1,846 | 49% | $1,893 | $45,620 |
| Amherst Town, MA | $57,030 | 100.2 | $1,580 | 42% | $2,201 | $45,262 |
| Pittsfield, MA | $51,860 | 95.1 | $1,281 | 37% | $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 area | Price level | 1-BR rent | Median wage | Jobs |
|---|---|---|---|---|
| Boston, MA | 108.3 | $2,276 | $66,620 | 2,703,890 |
| Miami, FL | 114.2 | $1,942 | $48,640 | 2,819,940 |
| Atlanta, GA | 100.1 | $1,646 | $51,170 | 2,889,670 |
| Philadelphia, PA | 102.6 | $1,520 | $54,310 | 2,897,830 |
| Phoenix, AZ | 103.3 | $1,583 | $51,380 | 2,375,760 |
| San Francisco, CA | 115.6 | $2,620 | $74,260 | 2,373,920 |
| Washington, DC | 108.9 | $1,990 | $71,060 | 3,136,190 |
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
- Natural Sciences Manager — $239,200+
- Computer and Information Systems Manager — $214,960
- Marketing Manager — $213,910
- Financial Manager — $209,780
- Sales Manager — $206,610
- Architectural and Engineering Manager — $205,130
- Human Resources Manager — $184,990
- Managers, All Other — $184,250
Business and Financial Operations Occupations
- Management Analyst — $135,640
- Financial and Investment Analyst — $117,520
- Project Management Specialist — $114,990
- Compliance Officer — $103,940
- Loan Officer — $103,400
- Cost Estimator — $102,640
- Market Research Analyst and Marketing Specialist — $102,390
- Logistician — $101,540
Computer and Mathematical Occupations
- Software Developer — $166,090
- Computer Network Architect — $160,650
- Information Security Analyst — $136,550
- Data Scientist — $132,040
- Computer Systems Analyst — $129,180
- Software Quality Assurance Analyst and Tester — $122,210
- Computer Occupations, All Other — $121,230
- Network and Computer Systems Administrator — $116,770
Architecture and Engineering Occupations
- Computer Hardware Engineer — $167,600
- Electronics Engineers, Except Computer — $142,920
- Engineers, All Other — $133,940
- Electrical Engineer — $128,610
- Bioengineer and Biomedical Engineer — $128,550
- Mechanical Engineer — $119,300
- Architects, Except Landscape and Naval — $119,120
- Industrial Engineer — $118,970
Life, Physical, and Social Science Occupations
- Biochemist and Biophysicist — $131,550
- Medical Scientists, Except Epidemiologists — $129,500
- Chemist — $127,290
- Biological Scientists, All Other — $110,410
- Occupational Health and Safety Specialist — $105,960
- School Psychologist — $98,670
- Biological Technician — $61,610
Community and Social Service Occupations
- Educational, Guidance, and Career Counselors and Advisors — $80,760
- Healthcare Social Worker — $78,410
- Child, Family, and School Social Workers — $77,420
- Mental Health and Substance Abuse Social Worker — $63,830
- Substance Abuse, Behavioral Disorder, and Mental Health Counselors — $62,130
- Social and Human Service Assistant — $47,530
- Rehabilitation Counselor — $47,440
Legal Occupations
- Lawyer — $183,350
- Paralegal and Legal Assistant — $79,850
Educational Instruction and Library Occupations
- Health Specialties Teachers, Postsecondary — $164,450
- Business Teachers, Postsecondary — $103,110
- Secondary School Teachers, Except Special and Career/Technical Education — $98,850
- Instructional Coordinator — $98,370
- Elementary School Teachers, Except Special Education — $98,060
- Special Education Teachers, Kindergarten and Elementary School — $97,410
- Art, Drama, and Music Teachers, Postsecondary — $96,170
- Middle School Teachers, Except Special and Career/Technical Education — $94,170
Arts, Design, Entertainment, Sports, and Media Occupations
- Editor — $86,410
- Producer and Director — $83,850
- Public Relations Specialist — $81,440
- Graphic Designer — $78,270
- Coach and Scout — $56,220
Healthcare Practitioners and Technical Occupations
- Family Medicine Physician — $239,200+
- Physicians, All Other — $229,870
- Nurse Practitioner — $147,480
- Physician Assistant — $142,410
- Pharmacist — $139,660
- Registered Nurse — $106,180
- Radiologic Technologist and Technician — $104,590
- Physical Therapist — $103,550
Healthcare Support Occupations
- Dental Assistant — $58,160
- Medical Assistant — $50,740
- Nursing Assistant — $47,590
- Home Health and Personal Care Aide — $40,910
Protective Service Occupations
- First-Line Supervisor of Police and Detectives — $108,190
- First-Line Supervisor of Firefighting and Prevention Workers — $96,740
- Correctional Officer and Jailer — $89,060
- Police and Sheriff's Patrol Officer — $78,180
- Firefighter — $73,990
- Security Guard — $44,990
Food Preparation and Serving Related Occupations
- Chef and Head Cook — $72,470
- Cooks, Institution and Cafeteria — $48,530
- First-Line Supervisor of Food Preparation and Serving Workers — $47,090
- Cooks, Restaurant — $45,830
- Food Preparation Worker — $39,660
- Cooks, Short Order — $39,600
- Waiter and Waitress — $39,270
- Bartender — $37,760
Building and Grounds Cleaning and Maintenance Occupations
- First-Line Supervisor of Housekeeping and Janitorial Workers — $61,390
- Landscaping and Groundskeeping Worker — $49,030
- Janitors and Cleaners, Except Maids and Housekeeping Cleaners — $46,550
- Maid and Housekeeping Cleaner — $39,470
Personal Care and Service Occupations
- Exercise Trainer and Group Fitness Instructor — $65,190
- Residential Advisor — $48,830
- Childcare Worker — $41,590
- Animal Caretaker — $39,850
- Recreation Worker — $38,770
- Hairdressers, Hairstylists, and Cosmetologists — $37,430
- Manicurist and Pedicurist — $35,480
- Amusement and Recreation Attendant — $34,660
Sales and Related Occupations
- Sales Engineer — $136,620
- First-Line Supervisor of Non-Retail Sales Workers — $122,870
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products — $122,550
- Securities, Commodities, and Financial Services Sales Agents — $101,200
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $83,420
- Insurance Sales Agent — $80,120
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $79,670
- First-Line Supervisor of Retail Sales Workers — $58,850
Office and Administrative Support Occupations
- Executive Secretary and Executive Administrative Assistant — $85,260
- First-Line Supervisor of Office and Administrative Support Workers — $77,990
- Payroll and Timekeeping Clerk — $66,930
- Court, Municipal, and License Clerks — $62,850
- Legal Secretary and Administrative Assistant — $62,690
- Postal Service Mail Carrier — $62,090
- Production, Planning, and Expediting Clerks — $61,490
- Bookkeeping, Accounting, and Auditing Clerks — $60,960
Construction and Extraction Occupations
- First-Line Supervisor of Construction Trades and Extraction Workers — $99,890
- Plumbers, Pipefitters, and Steamfitters — $96,760
- Construction and Building Inspector — $84,620
- Electrician — $79,910
- Operating Engineer and Other Construction Equipment Operator — $76,940
- Carpenter — $75,210
- Construction Laborer — $63,420
- Painters, Construction and Maintenance — $57,820
Installation, Maintenance, and Repair Occupations
- First-Line Supervisors of Mechanics, Installers, and Repairers — $94,970
- Heating, Air Conditioning, and Refrigeration Mechanics and Installers — $78,530
- Bus and Truck Mechanic and Diesel Engine Specialist — $75,770
- Industrial Machinery Mechanic — $75,200
- Automotive Service Technician and Mechanic — $63,060
- Maintenance and Repair Workers, General — $59,670
Production Occupations
- First-Line Supervisor of Production and Operating Workers — $82,660
- Machinist — $72,060
- Inspectors, Testers, Sorters, Samplers, and Weighers — $58,210
- Production Workers, All Other — $48,790
- Electrical, Electronic, and Electromechanical Assemblers, Except Coil Winders, Tapers, and Finishers — $48,060
- Miscellaneous Assembler and Fabricator — $47,860
- Packaging and Filling Machine Operator and Tender — $44,390
- Baker — $38,570
Transportation and Material Moving Occupations
- Bus Drivers, Transit and Intercity — $70,120
- First-Line Supervisors of Transportation and Material Moving Workers, Except Aircraft Cargo Handling Supervisors — $65,730
- Bus Drivers, School — $65,170
- Heavy and Tractor-Trailer Truck Driver — $64,010
- Flight Attendant — $61,510
- Light Truck Driver — $49,630
- Industrial Truck and Tractor Operator — $47,800
- Driver/Sales Worker — $47,340