Medford vs Worcester

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 $88,443 in Worcester.

Conversely, $75,000 in Worcester equals $63,600 in Medford.

Living in Medford vs Worcester

Housing Costs

Medford's housing index of 139 is lower Worcester's 152, translating to median home prices of $406,000 vs $340,000. The $66,000 difference in home prices means roughly $4,296 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Medford compared to $1,600/mo in Worcester, a monthly difference of $225.

Grocery & Food Costs

Grocery expenses index at 108 in Medford and 106 in Worcester. A household spending the national average of $475/month on groceries would pay approximately $513/month in Medford vs $504/month in Worcester. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 97 in Medford and 122 in Worcester. Monthly utility bills average approximately $388 in Medford vs $488 in Worcester. 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 115 in Worcester. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-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 $52,228 in Worcester. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,057 and $41,782 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 $1,219/month in Worcester. In Medford, median rent of $1,375/mo fits within this budget. In Worcester, median rent of $1,600/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Utilities, where the gap is 25 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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