Massachusetts vs Minnesota Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$50,505
in Massachusetts
$80,128
in Minnesota
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Massachusetts | Minnesota | Difference |
|---|---|---|---|
| Housing | 221.0 | 80.6 | +174% |
| Groceries | 102.7 | 100.6 | +2% |
| Utilities | 154.8 | 95.0 | +63% |
| Transportation | 105.2 | 96.2 | +9% |
| Healthcare | 134.2 | 102.4 | +31% |
| Dining & Misc | 116.8 | 99.8 | +17% |
| Overall | 148.5 | 93.6 | +59% |
Index values relative to national average (100). Positive difference = more expensive in Massachusetts.
What things actually cost
| Item | Massachusetts | Minnesota | Difference |
|---|---|---|---|
| Median home price | $620,000 | $330,000 | +$290,000 |
| Average 2BR rent | $3,094/mo | $1,128/mo | +$1,966 |
| Gas price | $3.41/gal | $3.26/gal | +$0.15 |
| Electric bill | $212/mo | $109/mo | +$103 |
| Infant childcare | $26,709/yr | $22,569/yr | +$4,140 |
Salary equivalent: Massachusetts → Minnesota
What a Massachusetts salary buys you in Minnesota, adjusted for cost of living.
| Salary in Massachusetts | Equivalent in Minnesota | Difference |
|---|---|---|
| $50,000 | $31,515 | +$18,485 |
| $75,000 | $47,273 | +$27,727 |
| $100,000 | $63,030 | +$36,970 |
| $150,000 | $94,545 | +$55,455 |
| $200,000 | $126,061 | +$73,939 |
Positive = your money goes further in Minnesota. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Massachusetts is 59% more expensive than Minnesota overall. Massachusetts has an index of 148.5 vs 93.6 for Minnesota (national average = 100).
FAQ
Is it cheaper to live in Massachusetts or Minnesota?
Minnesota is cheaper to live in. Massachusetts is 59% more expensive overall. The biggest driver is housing — median home prices are $620,000 in Massachusetts vs $330,000 in Minnesota.
Is Minnesota cheaper than Massachusetts?
Yes, Minnesota is 59% cheaper than Massachusetts overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Massachusetts more expensive than Minnesota?
Yes, Massachusetts is 59% more expensive than Minnesota based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Minnesota equals $100,000 in Massachusetts?
To maintain the same purchasing power as a $100,000 salary in Massachusetts, you would need approximately $63,030 in Minnesota. This is based on the overall cost-of-living index (148.5 vs 93.6).
How do housing costs compare between Massachusetts and Minnesota?
Housing is significantly cheaper in Minnesota. Median home prices are $620,000 in Massachusetts vs $330,000 in Minnesota — a $290,000 difference. Average 2-bedroom rent is $3,094/mo vs $1,128/mo.
What costs more in Massachusetts vs Minnesota?
Housing is 174% higher in Massachusetts (index 221 vs 80.6). Utilities is 63% higher in Massachusetts (index 154.8 vs 95). Healthcare is 31% higher in Massachusetts (index 134.2 vs 102.4).
Is gas cheaper in Massachusetts or Minnesota?
Gas averages $3.41/gallon in Massachusetts and $3.26/gallon in Minnesota — a $0.15 difference per gallon.
Massachusetts vs Minnesota cost of living — how do they compare?
Massachusetts has an overall cost-of-living index of 148.5 and Minnesota has 93.6 (national average = 100). Massachusetts is 59% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Massachusetts and Minnesota?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Massachusetts has a flat income tax of 5.00% plus a 4% surtax on income over $1 million. Minnesota has a progressive income tax with 4 brackets, topping out at 9.85% on income over $193,240. Use the Massachusetts vs Minnesota paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in Massachusetts and Minnesota?
Massachusetts requires residents to file a state income tax return annually, typically due April 15. Minnesota requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Massachusetts Cost of Living — Housing, groceries, gas, and more
- Minnesota Cost of Living — Housing, groceries, gas, and more
- Massachusetts vs Minnesota Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Massachusetts — How much house can you afford?
- House Affordability in Minnesota — How much house can you afford?
- Massachusetts Tax Brackets — See 2026 marginal rates
- Minnesota Tax Brackets — See 2026 marginal rates
- Massachusetts Mortgage Calculator — Estimate monthly payments with local rates
- Minnesota Mortgage Calculator — Estimate monthly payments with local rates
- Massachusetts Bonus Tax Calculator — See how bonuses are taxed differently
- Minnesota Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.