Massachusetts vs New York Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$50,505
in Massachusetts
$59,618
in New York
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 | New York | Difference |
|---|---|---|---|
| Housing | 221.0 | 174.7 | +27% |
| Groceries | 102.7 | 103.3 | -1% |
| Utilities | 154.8 | 101.5 | +53% |
| Transportation | 105.2 | 108.1 | -3% |
| Healthcare | 134.2 | 110.9 | +21% |
| Dining & Misc | 116.8 | 105.8 | +10% |
| Overall | 148.5 | 125.8 | +18% |
Index values relative to national average (100). Positive difference = more expensive in Massachusetts.
What things actually cost
| Item | Massachusetts | New York | Difference |
|---|---|---|---|
| Median home price | $620,000 | $450,000 | +$170,000 |
| Average 2BR rent | $3,094/mo | $2,446/mo | +$648 |
| Gas price | $3.41/gal | $3.47/gal | $0.06 |
| Electric bill | $212/mo | $174/mo | +$38 |
| Infant childcare | $26,709/yr | $17,361/yr | +$9,348 |
Salary equivalent: Massachusetts → New York
What a Massachusetts salary buys you in New York, adjusted for cost of living.
| Salary in Massachusetts | Equivalent in New York | Difference |
|---|---|---|
| $50,000 | $42,357 | +$7,643 |
| $75,000 | $63,535 | +$11,465 |
| $100,000 | $84,714 | +$15,286 |
| $150,000 | $127,071 | +$22,929 |
| $200,000 | $169,428 | +$30,572 |
Positive = your money goes further in New York. 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 18% more expensive than New York overall. Massachusetts has an index of 148.5 vs 125.8 for New York (national average = 100).
FAQ
Is it cheaper to live in Massachusetts or New York?
New York is cheaper to live in. Massachusetts is 18% more expensive overall. The biggest driver is housing — median home prices are $620,000 in Massachusetts vs $450,000 in New York.
Is New York cheaper than Massachusetts?
Yes, New York is 18% 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 New York?
Yes, Massachusetts is 18% more expensive than New York based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in New York equals $100,000 in Massachusetts?
To maintain the same purchasing power as a $100,000 salary in Massachusetts, you would need approximately $84,714 in New York. This is based on the overall cost-of-living index (148.5 vs 125.8).
How do housing costs compare between Massachusetts and New York?
Housing is significantly cheaper in New York. Median home prices are $620,000 in Massachusetts vs $450,000 in New York — a $170,000 difference. Average 2-bedroom rent is $3,094/mo vs $2,446/mo.
What costs more in Massachusetts vs New York?
Utilities is 53% higher in Massachusetts (index 154.8 vs 101.5). Housing is 27% higher in Massachusetts (index 221 vs 174.7). Healthcare is 21% higher in Massachusetts (index 134.2 vs 110.9).
Is gas cheaper in Massachusetts or New York?
Gas averages $3.41/gallon in Massachusetts and $3.47/gallon in New York — a $0.06 difference per gallon.
Massachusetts vs New York cost of living — how do they compare?
Massachusetts has an overall cost-of-living index of 148.5 and New York has 125.8 (national average = 100). Massachusetts is 18% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Massachusetts and New York?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Use the Massachusetts vs New York paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
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
- New York Cost of Living — Housing, groceries, gas, and more
- Massachusetts vs New York Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Massachusetts — How much house can you afford?
- House Affordability in New York — How much house can you afford?
- 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.