Groton, NY vs Bellows Falls, VT: Cost of Living

Which city costs less?

Bellows Falls, VT has a modeled overall cost index 30.0% higher than Groton, NY.

Groton, NY · modeled 2BR rent
$1,540 / month
Bellows Falls, VT · modeled 2BR rent
$1,410 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Groton, NY and Bellows Falls, VT 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

$
Numbers update automatically as you type

Estimated extra cost: $2,083/month in Bellows Falls, VT

$150,000 in your current city has a modeled equivalent of $175,001 in Bellows Falls, VT

Regional cost estimates: Groton, NY uses Newark, NJ. Bellows Falls, VT uses Boston, MA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 30.0%
More expensive
Monthly Impact
$2,083
Extra cost
Annual Impact
$25.0K
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.

Groton, NY

Population:2K
Cost Index:
76.1
100 = national average
Typical Home:$232K

Bellows Falls, VT

Population:3K
Cost Index:
99.0
100 = national average
Typical Home:$246K

Planning the move to Bellows Falls?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Groton, NY

The Empire State

2K
Population
State Tax
Yes

Located in New York, this city has a population of 2K residents.

Bellows Falls, VT

The Green Mountain State

3K
Population
State Tax
Yes

Located in Vermont, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Groton, NY vs Bellows Falls, VT

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.

Housing
↑ 119.9%
Groton, NY
$1,796
Bellows Falls, VT
$3,951
Difference
$2,155
more
Other
↓ 15.1%
Groton, NY
$1,788
Bellows Falls, VT
$1,518
Difference
$270
less
Transportation
↑ 8.0%
Groton, NY
$1,411
Bellows Falls, VT
$1,523
Difference
$112
more
All Utilities
↑ 16.7%
Groton, NY
$626
Bellows Falls, VT
$731
Difference
$104
more
Groceries
↓ 4.7%
Groton, NY
$1,156
Bellows Falls, VT
$1,102
Difference
$54.04
less
Healthcare
↑ 5.0%
Groton, NY
$723
Bellows Falls, VT
$759
Difference
$35.87
more

🏠Rent Comparison

Studio
From$1,190
To$1,070
↓ $120
1 Bed
From$1,350
To$1,150
↓ $200
2 Bed
From$1,540
To$1,410
↓ $130
3 Bed
From$1,850
To$1,690
↓ $160
Groton, NYZIP-level data

1BR range: $1,350–$1,350/mo

Bellows Falls, VTZIP-level data

1BR range: $1,150–$1,150/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 Groton, NY
$9,583
Monthly in Bellows Falls, VT
$2,083
Difference

Home Values

Groton
Bellows Falls
$232K
Median Value
$246K
↑ +1.8%
YoY Change
↓ -0.9%
↑ +36.6%
5-Year Change
↑ +45.7%

Homes in Bellows Falls are 6% more expensive than Groton

Calculate payment - GrotonCalculate payment - Bellows Falls

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $466
Per year
Monthly Difference
$38.82
More take-home
Effective Rate Diff
0.3%
Rate difference

Groton, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Bellows Falls, VT

Federal Income Tax
Effective: 18.9%
$25.5K
Vermont State Tax
Effective: 6.1%
$9.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.1K
Take-Home Pay
$8,659/month
$103.9K

Additional Tax Information

Groton, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Bellows Falls, VT Tax Rates

Sales Tax:7.1%
Property Tax:1.9%

💡 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

Groton
Bellows Falls
N/A
Air Quality
36 Good
-
Good Air Days
79.5%
98 High
Climate Risk
94 Moderate
🌊🌡🌪
Top Hazards
🌊🌅🌀
▲+2.9°F
2050 Outlook
▲+2.5°F
15 days
Heat Days >95°F
6 days
▲+2.9°F
2050 Outlook
▲+2.5°F
15 days
Heat Days >95°F
6 days

Before moving from Groton, NY to Bellows Falls, VT

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

  1. Compare actual homes. Get current quotes in Bellows Falls, VT for the same bedroom count and included utilities as your home in Groton, NY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Groton to Bellows Falls moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Bellows Falls, VT by cost, housing, population and region.

Frequently Asked Questions: Groton, NY vs Bellows Falls, VT

How do the cost estimates for Groton, NY and Bellows Falls, VT compare?

Bellows Falls, VT has a modeled overall cost index 30.0% higher than Groton, NY. 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 Groton, NY, the model estimates $175,001 in Bellows Falls, VT. 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 Groton, NY and Bellows Falls, VT?

The modeled two-bedroom rents are $1,540/month in Groton, NY and $1,410/month in Bellows Falls, VT. 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 New York and Vermont on TaxTakeHome.com

Similar cost to Bellows Falls, VT

Other cities in a similar price range

Austin, TXDenver, CONashville, TN

Want to compare different cities?

New Comparison