Cambridge, MA vs Medford, MA: Cost of Living

Which city costs less?

Medford, MA has a modeled overall cost index 1.6% lower than Cambridge, MA.

Cambridge, MA · modeled 2BR rent: $4,120 / month
Medford, MA · modeled 2BR rent: $3,250 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Cambridge, MA and Medford, MA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Cambridge, MA

Numbers update automatically as you type

Estimated savings: $105/month in Medford, MA

$150,000 in your current city has a modeled equivalent of $148,746 in Medford, MA

Regional cost estimates: Cambridge, MA uses Boston, MA. Medford, MA uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.6%

Less expensive

Monthly Impact

$105

Savings

Annual Impact

$1.3K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Cambridge, MA

Population:118K

Cost Index:

143.3

100 = national average

Typical Home:$1.11M

Medford, MA

Population:59K

Cost Index:

141.1

100 = national average

Typical Home:$814K

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Cambridge, MA

The Bay State

118K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 118K residents.

Medford, MA

The Bay State

59K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 59K residents.

Cost Breakdown by Category

Estimated monthly spending: Cambridge, MA vs Medford, MA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Cambridge, MA	Medford, MA	Difference	Change
Housing	$3,240/mo	$3,189/mo	↓ $51.15less	1.6%
Transportation	$1,249/mo	$1,229/mo	↓ $19.72less	1.6%
Other	$1,245/mo	$1,225/mo	↓ $19.66less	1.6%
Groceries	$751/mo	$745/mo	↓ $5.95less	0.8%
Healthcare	$517/mo	$513/mo	↓ $4.10less	0.8%
All Utilities	$498/mo	$494/mo	↓ $3.95less	0.8%

Housing

↓ 1.6%

Cambridge, MA

$3,240

Medford, MA

$3,189

Difference

$51.15

less

Transportation

↓ 1.6%

Cambridge, MA

$1,249

Medford, MA

$1,229

Difference

$19.72

less

Other

↓ 1.6%

Cambridge, MA

$1,245

Medford, MA

$1,225

Difference

$19.66

less

Groceries

↓ 0.8%

Cambridge, MA

$751

Medford, MA

$745

Difference

$5.95

less

Healthcare

↓ 0.8%

Cambridge, MA

$517

Medford, MA

$513

Difference

$4.10

less

All Utilities

↓ 0.8%

Cambridge, MA

$498

Medford, MA

$494

Difference

$3.95

less

🏠Rent Comparison

Studio

From$3,305

To$2,610

↓ $695

1 Bed

From$3,470

To$2,740

↓ $730

2 Bed

From$4,120

To$3,250

↓ $870

3 Bed

From$4,940

To$3,900

↓ $1,040

Cambridge, MAZIP-level data

1BR range: $3,370–$3,610/mo

Medford, MAZIP-level data

1BR range: $2,740–$2,740/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Cambridge, MA

$7,395

Monthly in Medford, MA

$105

Difference

Home Values

Cambridge

Medford

$1.11M

Median Value

$814K

↑ +0.2%

YoY Change

↑ +0.8%

↑ +15.6%

5-Year Change

↑ +24.8%

$963K - $1.26M

Price Range

$814K

Homes in Medford are 27% less expensive than Cambridge

Calculate payment - Cambridge Calculate payment - Medford

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Cambridge, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Medford, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Additional Tax Information

Cambridge, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Medford, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Cambridge

Medford

36 Good

Air Quality

36 Good

79.5%

Good Air Days

79.5%

94 Moderate

Climate Risk

94 Moderate

🌊🌅🌀

Top Hazards

🌊🌅🌀

▲+2.5°F

2050 Outlook

▲+2.5°F

6 days

Heat Days >95°F

6 days

▲+2.5°F

2050 Outlook

▲+2.5°F

6 days

Heat Days >95°F

6 days

Before moving from Cambridge, MA to Medford, MA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Medford, MA for the same bedroom count and included utilities as your home in Cambridge, MA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cambridge to Medford moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Medford, MA by cost, housing, population and region.

Frequently Asked Questions: Cambridge, MA vs Medford, MA

How do the cost estimates for Cambridge, MA and Medford, MA compare?

Medford, MA has a modeled overall cost index 1.6% lower than Cambridge, MA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Cambridge, MA, the model estimates $148,746 in Medford, MA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Cambridge, MA and Medford, MA?

The modeled two-bedroom rents are $4,120/month in Cambridge, MA and $3,250/month in Medford, MA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.