Mount Vernon, NY vs Framingham, MA: Cost of Living

Which city costs less?

Framingham, MA has a modeled overall cost index 5.9% lower than Mount Vernon, NY.

Mount Vernon, NY · modeled 2BR rent: $2,730 / month
Framingham, MA · modeled 2BR rent: $2,750 / 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 Mount Vernon, NY and Framingham, 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 Mount Vernon, NY

Numbers update automatically as you type

Estimated savings: $821/month in Framingham, MA

$150,000 in your current city has a modeled equivalent of $140,147 in Framingham, MA

Regional cost estimates: Mount Vernon, NY uses New York, NY. Framingham, MA uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 5.9%

Less expensive

Monthly Impact

$821

Savings

Annual Impact

$9.9K

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.

Mount Vernon, NY

Population:71K

Cost Index:

150.6

100 = national average

Typical Home:$550K

Framingham, MA

Population:72K

Cost Index:

141.7

100 = national average

Typical Home:$680K

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Mount Vernon, NY

The Empire State

71K

Population

State Tax

Yes

Located in New York, this city has a population of 71K residents.

Framingham, MA

The Bay State

72K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 72K residents.

Cost Breakdown by Category

Estimated monthly spending: Mount Vernon, NY vs Framingham, 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	Mount Vernon, NY	Framingham, MA	Difference	Change
Housing	$3,938/mo	$2,881/mo	↓ $1,057less	26.8%
Transportation	$917/mo	$1,111/mo	↑ $194more	21.2%
All Utilities	$362/mo	$445/mo	↑ $82.93more	22.9%
Other	$1,164/mo	$1,107/mo	↓ $56.28less	4.8%
Healthcare	$416/mo	$463/mo	↑ $47.14more	11.3%
Groceries	$704/mo	$672/mo	↓ $32.40less	4.6%

Housing

↓ 26.8%

Mount Vernon, NY

$3,938

Framingham, MA

$2,881

Difference

$1,057

less

Transportation

↑ 21.2%

Mount Vernon, NY

$917

Framingham, MA

$1,111

Difference

$194

All Utilities

↑ 22.9%

Mount Vernon, NY

$362

Framingham, MA

$445

Difference

$82.93

Other

↓ 4.8%

Mount Vernon, NY

$1,164

Framingham, MA

$1,107

Difference

$56.28

less

Healthcare

↑ 11.3%

Mount Vernon, NY

$416

Framingham, MA

$463

Difference

$47.14

Groceries

↓ 4.6%

Mount Vernon, NY

$704

Framingham, MA

$672

Difference

$32.40

less

🏠Rent Comparison

Studio

From$2,370

To$2,210

↓ $160

1 Bed

From$2,490

To$2,320

↓ $170

2 Bed

From$2,730

To$2,750

↑ $20.00

3 Bed

From$3,420

To$3,300

↓ $120

Mount Vernon, NYZIP-level data

1BR range: $2,490–$2,510/mo

Framingham, MAZIP-level data

1BR range: $2,320–$2,320/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 Mount Vernon, NY

$6,679

Monthly in Framingham, MA

$821

Difference

Home Values

Mount Vernon

Framingham

$550K

Median Value

$680K

↓ -0.1%

YoY Change

↑ +0.5%

↑ +4.9%

5-Year Change

↑ +33.1%

$533K - $565K

Price Range

$680K

Homes in Framingham are 24% more expensive than Mount Vernon

Calculate payment - Mount Vernon Calculate payment - Framingham

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.0K

Per year

Monthly Difference

$170

More take-home

Effective Rate Diff

1.4%

Rate difference

Mount Vernon, 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

Framingham, 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

Mount Vernon, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Framingham, 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

Mount Vernon

Framingham

43 Good

Air Quality

36 Good

65.8%

Good Air Days

79.5%

99 High

Climate Risk

94 Moderate

🌊🌀🌡

Top Hazards

🌊🌅🌀

▲+2.7°F

2050 Outlook

▲+2.5°F

11 days

Heat Days >95°F

6 days

▲+2.7°F

2050 Outlook

▲+2.5°F

11 days

Heat Days >95°F

6 days

Before moving from Mount Vernon, NY to Framingham, MA

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

Compare actual homes. Get current quotes in Framingham, MA for the same bedroom count and included utilities as your home in Mount Vernon, NY. 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 Mount Vernon to Framingham moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mount Vernon, NY vs Framingham, MA

How do the cost estimates for Mount Vernon, NY and Framingham, MA compare?

Framingham, MA has a modeled overall cost index 5.9% lower than Mount Vernon, 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 Mount Vernon, NY, the model estimates $140,147 in Framingham, 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 Mount Vernon, NY and Framingham, MA?

The modeled two-bedroom rents are $2,730/month in Mount Vernon, NY and $2,750/month in Framingham, 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 New York and Massachusetts on TaxTakeHome.com