Boston vs Concord
Cost of Living Comparison · 2026 Data
Boston
Concord
💡 The Verdict
Concord is 30% cheaper than Boston overall. A $75,000 salary in Boston is equivalent to $52,315 in Concord.
Category-by-Category Breakdown
Index values for Boston (left) vs Concord (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Boston versus Concord. Differences shown from Boston perspective.
| Item | Boston | Concord | Difference |
|---|---|---|---|
| 1-Bed Rent | $2,180/mo | $1,110/mo | +$1070.00 |
| 2-Bed Rent | $2,800/mo | $1,500/mo | +$1300.00 |
| 3-Bed Rent | $3,740/mo | $1,870/mo | +$1870.00 |
| Bread (loaf) | $3.28 | $3.05 | +$0.23 |
| Milk (gallon) | $3.92 | $3.83 | +$0.09 |
| Eggs (dozen) | $3.68 | $3.34 | +$0.34 |
| Coffee (latte) | $6.03 | $5.62 | +$0.41 |
| Gas (gallon) | $3.50 | $3.55 | $-0.05 |
| Restaurant Meal | $20.49 | $17.19 | +$3.30 |
💰 Salary Equivalence
A $75,000 salary in Boston has the same purchasing power as $52,315 in Concord.
Conversely, $75,000 in Concord equals $107,522 in Boston.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $3751 difference is driven by Massachusetts having a higher state income tax rate. Massachusetts details → · New Hampshire details →
Reading These Numbers: Boston (162) vs Concord (113)
Boston at 162 is 62% above the US average, while Concord at 113 is 13% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Boston, the composite index of 162 reflects a weighted calculation where housing carries the most influence at 242, followed by groceries (108), utilities (126), transportation (107), and healthcare (118). Housing is the primary cost driver here.
For renters: With median rents of $2,800/mo in Boston and $1,500/mo in Concord, the annual rent difference is approximately $15,600.0. Over a 5-year period, that compounds to $78,000.0 in savings by choosing the more affordable city.
For homebuyers: The $270,000.0 difference in median home prices between Boston and Concord translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Boston vs Concord
Choosing between Boston and Concord involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
When weighing Boston against Concord, think beyond the composite index. Your personal savings rate, retirement timeline, and family size all influence which cost categories dominate your budget. Someone spending sixty percent of income on housing and childcare will experience these two cities very differently than a single renter whose largest variable expense is dining out. Model your own spending breakdown against the category indices above for the most realistic comparison.