Ferndale, WA vs Boston, MA: Cost of Living

Which city costs less?

Boston, MA has a modeled overall cost index 28.6% higher than Ferndale, WA.

Ferndale, WA · modeled 2BR rent: $1,770 / month
Boston, MA · modeled 2BR rent: $3,865 / 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 Ferndale, WA and Boston, 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 Ferndale, WA

Numbers update automatically as you type

Estimated extra cost: $1,913/month in Boston, MA

$150,000 in your current city has a modeled equivalent of $172,959 in Boston, MA

Regional cost estimates: Ferndale, WA uses Seattle, WA. Boston, MA uses Boston-Cambridge-Newton, MA-NH Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 28.6%

More expensive

Monthly Impact

$1,913

Extra cost

Annual Impact

$23.0K

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.

Ferndale, WA

Population:16K

Cost Index:

115.9

100 = national average

Typical Home:$601K

Boston, MA

Population:685K

Cost Index:

149.0

100 = national average

Typical Home:$961K

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Ferndale, WA

The Evergreen State

16K

Population

State Tax

No Income Tax

Located in Washington, this city has a population of 16K residents.

💡 Advantage: Washington has no state income tax!

Boston, MA

The Bay State

685K

Population

State Tax

Yes

Climate

Continental

Notable Facts

•Major education center
•Biotech capital
•Historic American city

Major Industries

EducationHealthcareTechnologyFinance

Cost Breakdown by Category

Estimated monthly spending: Ferndale, WA vs Boston, 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	Ferndale, WA	Boston, MA	Difference	Change
Housing	$3,751/mo	$4,330/mo	↑ $579more	15.4%
Transportation	$1,050/mo	$1,502/mo	↑ $452more	43.1%
Other	$1,092/mo	$1,498/mo	↑ $405more	37.1%
All Utilities	$324/mo	$588/mo	↑ $264more	81.3%
Groceries	$727/mo	$886/mo	↑ $159more	21.8%
Healthcare	$555/mo	$610/mo	↑ $55.04more	9.9%

Housing

↑ 15.4%

Ferndale, WA

$3,751

Boston, MA

$4,330

Difference

$579

Transportation

↑ 43.1%

Ferndale, WA

$1,050

Boston, MA

$1,502

Difference

$452

Other

↑ 37.1%

Ferndale, WA

$1,092

Boston, MA

$1,498

Difference

$405

All Utilities

↑ 81.3%

Ferndale, WA

$324

Boston, MA

$588

Difference

$264

Groceries

↑ 21.8%

Ferndale, WA

$727

Boston, MA

$886

Difference

$159

Healthcare

↑ 9.9%

Ferndale, WA

$555

Boston, MA

$610

Difference

$55.04

🏠Rent Comparison

Studio

From$1,440

To$3,095

↑ $1,655

1 Bed

From$1,470

To$3,255

↑ $1,785

2 Bed

From$1,770

To$3,865

↑ $2,095

3 Bed

From$2,460

To$4,630

↑ $2,170

Ferndale, WAZIP-level data

1BR range: $1,470–$1,470/mo

Boston, MAZIP-level data

1BR range: $2,560–$3,710/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 Ferndale, WA

$9,413

Monthly in Boston, MA

$1,913

Difference

Home Values

Ferndale

Boston

$601K

Median Value

$961K

YoY Change

↓ -0.7%

↑ +32.4%

5-Year Change

↑ +7%

$601K

Price Range

$709K - $3.40M

Homes in Boston are 60% more expensive than Ferndale

Calculate payment - Ferndale Calculate payment - Boston

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.5K

More taxes

Monthly Difference

$625

Less take-home

Effective Rate Diff

5.0%

Rate difference

Ferndale, WA

Federal Income Tax

Effective: 18.9%

$25.5K

Washington State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Boston, 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

Ferndale, WA Tax Rates

Sales Tax:9.2%

Property Tax:0.9%

Boston, 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Ferndale, WA: No data yet

Boston, MA

32/100

1.7% sidewalk tags · 5.5% cycling tags

Environment

Ferndale

Boston

41 Good

Air Quality

36 Good

69.7%

Good Air Days

79.5%

100 Very High

Climate Risk

94 Moderate

🌊🌡🫨

Top Hazards

🌊🌅🌀

▲+2.6°F

2050 Outlook

▲+2.5°F

2 days

Heat Days >95°F

6 days

▲+2.6°F

2050 Outlook

▲+2.5°F

2 days

Heat Days >95°F

6 days

Before moving from Ferndale, WA to Boston, MA

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

Compare actual homes. Get current quotes in Boston, MA for the same bedroom count and included utilities as your home in Ferndale, WA. 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 Ferndale to Boston moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Ferndale, WA vs Boston, MA

How do the cost estimates for Ferndale, WA and Boston, MA compare?

Boston, MA has a modeled overall cost index 28.6% higher than Ferndale, WA. 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 Ferndale, WA, the model estimates $172,959 in Boston, 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 Ferndale, WA and Boston, MA?

The modeled two-bedroom rents are $1,770/month in Ferndale, WA and $3,865/month in Boston, 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.

💰 See how taxes change too — compare take-home pay between Washington and Massachusetts on TaxTakeHome.com