Lowell vs Springfield
Cost of Living Comparison · 2026
Lowell
Springfield
The Verdict
Living in Springfield costs 67.9% less than Lowell. To match the purchasing power of a $75,000 salary in Lowell, you would need $44,656 in Springfield.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Lowell has the same purchasing power as $44,656 in Springfield.
Conversely, $75,000 in Springfield equals $125,962 in Lowell.
Living in Lowell vs Springfield
Housing Costs
Lowell's housing index of 152 is higher Springfield's 52, translating to median home prices of $429,000 vs $162,000. The $267,000 difference in home prices means roughly $17,352 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,925/mo in Lowell compared to $925/mo in Springfield, a monthly difference of $1,000.
Grocery & Food Costs
Grocery expenses index at 104 in Lowell and 98 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $494/month in Lowell vs $466/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $336/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 151 in Lowell and 98 in Springfield. Monthly utility bills average approximately $604 in Lowell vs $392 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 Lowell and 91 in Springfield. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 27-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $79,700 in Lowell and $65,500 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $60,840 and $83,974 respectively. Springfield residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,860/month to housing in Lowell vs $1,528/month in Springfield. In Lowell, median rent of $1,925/mo exceeds this threshold, suggesting renters may feel stretched. In Springfield, median rent of $925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 100 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases