Medford vs Springfield
Cost of Living Comparison · 2026
Medford
Springfield
The Verdict
The cost gap between these cities is 26.2%, with Springfield being the more affordable option. A $75,000 income in Medford has equivalent purchasing power to $59,434 in Springfield.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Medford has the same purchasing power as $59,434 in Springfield.
Conversely, $75,000 in Springfield equals $94,643 in Medford.
Living in Medford vs Springfield
Housing Costs
Medford's housing index of 139 is higher Springfield's 67, translating to median home prices of $406,000 vs $225,000. The $181,000 difference in home prices means roughly $11,760 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Medford compared to $950/mo in Springfield, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 108 in Medford and 94 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $513/month in Medford vs $447/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $792/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in Medford and 79 in Springfield. Monthly utility bills average approximately $388 in Medford vs $316 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 100 in Medford and 116 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 $73,200 in Medford and $46,000 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,057 and $54,762 respectively. Medford residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,708/month to housing in Medford vs $1,073/month in Springfield. In Medford, median rent of $1,375/mo fits within this budget. In Springfield, median rent of $950/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 72 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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