Boston, MA vs Albany, NY
Moving from Boston to Albany? Here's what changes — from your equivalent salary to housing ($741,868 → $370,533 median home) and taxes.
Boston vs Albany at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Boston, MA, you'd need about $88,934 in Albany, NY (−$11,066).
Livability — Boston, MA: 48 · Albany, NY: 58 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,146 sqft in Boston vs 2,159 sqft in Albany ($436 vs $232 per sqft).
Annual cost breakdown (at $100,000)
| Category | Boston, MA | Albany, NY | Difference |
|---|---|---|---|
| Housing | $38,532 | $20,172 | −$18,360 |
| Groceries | $5,040 | $4,868 | −$172 |
| Transportation | $3,210 | $3,895 | +$685 |
| Utilities | $3,180 | $3,180 | +$0 |
| Insurance | $1,800 | $1,600 | −$200 |
| Taxes | $17,694 | $18,849 | +$1,156 |
| Total | $69,455 | $52,564 | −$16,891 |
Side by side
| Metric | Boston, MA | Albany, NY |
|---|---|---|
| Cost-of-living index | 110.4 | 98.2 |
| Unemployment rate | 5.02% | 4.97% |
| Population growth (5-yr) | 2.9% | 2.3% |
| Air quality (median AQI) | 43 | 37 |
| Big Mac price (est.) | $6.28 | $5.59 |
| Median home price | $741,868 | $370,533 |
| Home price ÷ income | 6.9× | 4.4× |
| 1-yr home appreciation | 1.6% | 5.5% |
| Price per square foot | $436 | $232 |
| Median rent | $3,211 | $1,681 |
| Total tax burden (% income) | 11.5% | 15.9% |
| Combined sales tax | 6.25% | 8.52% |
| Capital gains tax | 9.00% | 10.90% |
| Property tax rate | 1.14% | 1.95% |
| Healthcare (annual) | $8,200 | $7,800 |
| Childcare (annual, infant) | $21,000 | $17,000 |
| Vehicle property tax | 2.25% | None |
| Avg commute (min) | 31 | 23 |
| Home insurance / yr | $1,800 | $1,600 |
| Auto insurance / yr | $1,500 | $2,100 |
| Flood insurance / yr | $800 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 29.4 | 29.4 |
| Gas $/gal | 3.30 | 3.45 |
| Violent crime /100k | 330 | 350 |
| Avg summer high °F | 82 | 83 |
| Avg winter low °F | 22 | 16 |
| Permit difficulty (1–5) | 4 | 5 |