Newark, DE vs Holyoke, MA: Cost of Living

Which city costs less?

Holyoke, MA has a modeled overall cost index 21.7% higher than Newark, DE.

Newark, DE · modeled 2BR rent: $1,830 / month
Holyoke, MA · modeled 2BR rent: $1,720 / 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 Newark, DE and Holyoke, 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 Newark, DE

Numbers update automatically as you type

Estimated extra cost: $1,615/month in Holyoke, MA

$150,000 in your current city has a modeled equivalent of $169,384 in Holyoke, MA

Regional cost estimates: Newark, DE uses Philadelphia, PA. Holyoke, MA uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 21.7%

More expensive

Monthly Impact

$1,615

Extra cost

Annual Impact

$19.4K

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.

Newark, DE

Population:30K

Cost Index:

92.5

100 = national average

Typical Home:$347K

Holyoke, MA

Population:38K

Cost Index:

112.6

100 = national average

Typical Home:$316K

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Newark, DE

The First State

30K

Population

State Tax

Yes

Located in Delaware, this city has a population of 30K residents.

Holyoke, MA

The Bay State

38K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 38K residents.

Cost Breakdown by Category

Estimated monthly spending: Newark, DE vs Holyoke, 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	Newark, DE	Holyoke, MA	Difference	Change
Housing	$2,027/mo	$3,822/mo	↑ $1,795more	88.5%
Other	$1,728/mo	$1,469/mo	↓ $259less	15.0%
Groceries	$1,125/mo	$999/mo	↓ $125less	11.1%
Transportation	$1,384/mo	$1,473/mo	↑ $89.95more	6.5%
Healthcare	$619/mo	$689/mo	↑ $70.05more	11.3%
All Utilities	$618/mo	$663/mo	↑ $45.09more	7.3%

Housing

↑ 88.5%

Newark, DE

$2,027

Holyoke, MA

$3,822

Difference

$1,795

Other

↓ 15.0%

Newark, DE

$1,728

Holyoke, MA

$1,469

Difference

$259

less

Groceries

↓ 11.1%

Newark, DE

$1,125

Holyoke, MA

$999

Difference

$125

less

Transportation

↑ 6.5%

Newark, DE

$1,384

Holyoke, MA

$1,473

Difference

$89.95

Healthcare

↑ 11.3%

Newark, DE

$619

Holyoke, MA

$689

Difference

$70.05

All Utilities

↑ 7.3%

Newark, DE

$618

Holyoke, MA

$663

Difference

$45.09

🏠Rent Comparison

Studio

From$1,410

To$1,210

↓ $200

1 Bed

From$1,540

To$1,370

↓ $170

2 Bed

From$1,830

To$1,720

↓ $110

3 Bed

From$2,190

To$2,110

↓ $80.00

Newark, DEZIP-level data

1BR range: $1,410–$1,620/mo

Holyoke, MAZIP-level data

1BR range: $1,370–$1,370/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 Newark, DE

$9,115

Monthly in Holyoke, MA

$1,615

Difference

Home Values

Newark

Holyoke

$347K

Median Value

$316K

↑ +3.1%

YoY Change

↑ +1.7%

↑ +32.9%

5-Year Change

↑ +35.3%

$306K - $414K

Price Range

$316K

Homes in Holyoke are 9% less expensive than Newark

Calculate payment - Newark Calculate payment - Holyoke

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.4K

Per year

Monthly Difference

$115

More take-home

Effective Rate Diff

0.9%

Rate difference

Newark, DE

Federal Income Tax

Effective: 18.9%

$25.5K

Delaware State Tax

Effective: 5.9%

$8.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,675/month

$104.1K

Holyoke, 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

Newark, DE Tax Rates

Sales Tax:0.0%

Property Tax:0.6%

Holyoke, 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

Newark

Holyoke

52 Moderate

Air Quality

36 Good

47.3%

Good Air Days

79.5%

100 Very High

Climate Risk

94 Moderate

🌊🌅🌀

Top Hazards

🌊🌅🌀

▲+2.9°F

2050 Outlook

▲+2.5°F

22 days

Heat Days >95°F

6 days

▲+2.9°F

2050 Outlook

▲+2.5°F

22 days

Heat Days >95°F

6 days

Before moving from Newark, DE to Holyoke, MA

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

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

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

Frequently Asked Questions: Newark, DE vs Holyoke, MA

How do the cost estimates for Newark, DE and Holyoke, MA compare?

Holyoke, MA has a modeled overall cost index 21.7% higher than Newark, DE. 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 Newark, DE, the model estimates $169,384 in Holyoke, 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 Newark, DE and Holyoke, MA?

The modeled two-bedroom rents are $1,830/month in Newark, DE and $1,720/month in Holyoke, 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 Delaware and Massachusetts on TaxTakeHome.com