Boston vs Springfield

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Boston has the same purchasing power as $49,537 in Springfield.

Conversely, $75,000 in Springfield equals $113,551 in Boston.

Living in Boston vs Springfield

Housing Costs

Boston's housing index of 242 is higher Springfield's 116, translating to median home prices of $620,000 vs $378,000. The $242,000 difference in home prices means roughly $15,732 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,800/mo in Boston compared to $1,150/mo in Springfield, a monthly difference of $1,650.

Grocery & Food Costs

Grocery expenses index at 108 in Boston and 101 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $513/month in Boston vs $480/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $396/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 126 in Boston and 96 in Springfield. Monthly utility bills average approximately $504 in Boston vs $384 in Springfield. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 118 in Boston and 102 in Springfield. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 16-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $76,298 in Boston and $57,600 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $47,098 and $53,832 respectively. Springfield residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,780/month to housing in Boston vs $1,344/month in Springfield. In Boston, median rent of $2,800/mo exceeds this threshold, suggesting renters may feel stretched. In Springfield, median rent of $1,150/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 126 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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