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Cost of living in Springfield, MA

Livability score 60 · cost-of-living index 98.1 (US = 100)

How Springfield compares

Where Springfield falls within the range of all 200 metros (marker = this city).

Cost-of-living index (US=100) 85 118 Cost-of-living index (US=100): 98 — range 85 to 118 across all metros 98 Median home price $149k $1610k Median home price: $376k — range $149k to $1610k across all metros $376k Price per sqft (more house = lower) $88 $1074 Price per sqft (more house = lower): $221 — range $88 to $1074 across all metros $221 Combined sales tax 0.0% 11.5% Combined sales tax: 6.3% — range 0.0% to 11.5% across all metros 6.3% Property tax rate 0.28% 2.76% Property tax rate: 1.59% — range 0.28% to 2.76% across all metros 1.59% Violent crime (per 100k) 110 1,000 Violent crime (per 100k): 330 — range 110 to 1,000 across all metros 330 Electricity (¢/kWh) 12.3 46.6 Electricity (¢/kWh): 29.4 — range 12.3 to 46.6 across all metros 29.4 Avg summer high (°F) 65° 104° Avg summer high (°F): 82° — range 65° to 104° across all metros 82° Avg winter low (°F) -2° 72° Avg winter low (°F): 22° — range -2° to 72° across all metros 22°

Map of Springfield

Grocery stores, parks, golf courses and more — real listings. Toggle categories in the legend.

Map data © OpenStreetMap contributors · business listings via Google Maps

Cost of living

MetricValueUS rank
Cost-of-living index (US=100)98.1#123 of 200
Grocery index (US=100)98.8#155 of 200
Big Mac price (est.)$5.58#122 of 200
Median household income$70,547#103 of 200
Median wage (all occupations)$41,510#82 of 200

Economy

MetricValueUS rank
Unemployment rate5.93%#152 of 200
Population growth (5-yr)+9.4%#29 of 200

Housing — what your money buys

MetricValueUS rank
Median home price$376,017#124 of 200
Home price ÷ income (affordability)5.3×#126 of 200
1-yr home appreciation+2.7%#65 of 200
Price per square foot$221#137 of 200
Typical home size (implied)1,700 sqft
Median rent (monthly)$1,941#152 of 200
Homes for sale (inventory)1,167
Median days on market9#43 of 200

Taxes

MetricValueUS rank
Total tax burden (est. % of income)11.5%#148 of 200
Combined sales tax6.25%#29 of 200
State income tax (top rate)9.00%
Capital gains tax9.00%#160 of 200
High earners4% surtax on income over ~$1M (the 'Fair Share'/millionaires tax)
Effective property tax rate1.59%#157 of 200
Median property tax paid$4,429#165 of 200

Healthcare & childcare

MetricValueUS rank
Healthcare (annual, single adult)$8,200#193 of 200
Childcare (annual, infant, center)$21,000#197 of 200

Vehicles & commute

MetricValueUS rank
Annual registration$60#19 of 200
Vehicle property tax (annual)2.25% of value (~$630/yr)#181 of 200
Emissions testingRequired
Emissions detailRequired in major metro counties
DMV & license offices3
Avg commute to work23 min#66 of 200

Utilities & fuel

MetricValueUS rank
Electricity29.4¢/kWh#166 of 200
Avg monthly electric bill$265#166 of 200
Gasoline$3.30/gal#94 of 200
Natural gas (avg monthly bill)$108#198 of 200
Water & sewer (avg monthly bill)$71#25 of 200
Home internet (avg monthly bill)$78#77 of 200

Insurance

MetricValueUS rank
Home insurance (annual)$1,800#100 of 200
Auto insurance (annual)$1,500#41 of 200

Disaster risk & supplemental insurance

MetricValueUS rank
Main natural hazardsNotable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed.
Flood insurance (annual, NFIP)$800#120 of 200
Earthquake insurance (annual)$100#1 of 200

Climate & air quality

MetricValueUS rank
Air quality (median AQI, lower=cleaner)42#1 of 200
Cooling degree-days (AC load)700#25 of 200
Heating degree-days (heat load)5,600#138 of 200
Avg summer high82°F#10 of 200
Avg winter low22°F#130 of 200
Annual precipitation47.1"#141 of 200
Annual snowfall51.7"#183 of 200
Sunshine (% of possible)56%#132 of 200
Plant hardiness zone6b
Frost window04-20 → 10-20

Safety

MetricValueUS rank
Violent crime (per 100k)330#43 of 200
Property crime (per 100k)1,100#3 of 200

Local amenities & recreation

MetricValueUS rank
Grocery stores26#143 of 200
Parks14
Hiking areas4
Golf courses3
Shooting ranges1
Lakes5

Permits

MetricValueUS rank
Building permit difficulty (1–5)4#147 of 200
Permit detailDifficult; zoning + review

US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.

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