What It Costs to Live in Massachusetts

Massachusetts is not uniformly expensive. This is what actually costs more, where in the state it costs more, and what a household has to earn to cover it.

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The headline claim, tested. A high price level only bites if incomes do not keep up with it. The BEA publishes both halves — a price level for every state (Regional Price Parities, US = 100) and per-capita personal income deflated by that same price level. Comparing them is the cleanest available test of whether Massachusetts residents are, on average, behind.

Price Level vs Income — All 50 States

Right of 100 means things cost more than the national average; higher up means people earn more. States in the top-right earn their way past their own cost of living — states in the bottom-right do not.

Per-Capita Income — Before and After Adjusting for Prices

Top ten states by nominal income, with the same states' price-adjusted income beside them.

Massachusetts Price Level by Category

US = 100. These are the only five categories the BEA publishes.

Where Massachusetts Ranks on Each Category

Rank out of 50 states, 1 = most expensive.

Massachusetts vs Neighbouring and Peer States

Has It Got Worse? Massachusetts Price Level Over Time

Each category indexed to the national average of the same year, so a rising line means Massachusetts is pulling away from the rest of the country.

Price Level by Massachusetts Metro Area

BEA Regional Price Parities for every metro area covering part of Massachusetts. US = 100.

Housing — the Spread

Utilities — the Flat Line

Income Required Before Tax, by Household

MIT Living Wage Calculator for Massachusetts — a bare-adequacy budget, not a comfortable one. The dashed line is the state median household income.

Where the Money Goes — Annual Budget by Household

Typical Pay by Occupation vs What a Single Adult Needs

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Looking for employment, housing or electricity detail? This page used to carry thin versions of all three. They now live on the dashboards that update daily and go far deeper: Employment (BLS, JOLTS, sectors, demographics) · MA Housing (MLS PIN, Warren Group) · Energy (EIA rates, bill composition, mandates) · Tax & Budget (income, migration, property tax).

Every figure on this page is listed with its source in the Cost of Living section of the method.