Is Springfield, MA cheaper than Providence, RI?

Based on cost of living data, Springfield, MA is 18.9% cheaper than Providence, RI. This translates to saving $1419 per month.

What salary do I need in Springfield, MA to live like I do in Providence, RI?

If you earn $150,000 in Providence, RI, you'd need approximately $132,975.86 in Springfield, MA to maintain the same standard of living.

How does housing cost compare between Providence, RI and Springfield, MA?

Housing in Springfield, MA is 18.9% cheaper than in Providence, RI. For a two-bedroom apartment, rent is $1,150/month in Springfield, MA compared to $1,803/month in Providence, RI.

How much can I save per month by moving from Providence, RI to Springfield, MA?

Moving from Providence, RI to Springfield, MA could save you approximately $1419 per month, or $17024 per year, based on a $150,000 salary.

Providence, RI vs Springfield, MA: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Providence, RI

Numbers update automatically as you type

You'd save $1.4K/month moving to Springfield, MA

$150.0K in your current city equals $133.0K in Springfield, MA

Rent data from HUD ZIP-level estimates · COL index from Providence-Warwick, RI-MA area

Overall Cost

↓ 18.9%

Less expensive

Monthly Impact

$1,419

Savings

Annual Impact

$17.0K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Providence, RI

Population:191K

Cost Index:

100

100 = national average

Median Home:$430K

Springfield, MA

Population:154K

Cost Index:

(19% below avg)

Median Home:$294K

Providence, RI

The Ocean State

191K

Population

State Tax

Yes

Located in Rhode Island, this city has a population of 191K residents.

Springfield, MA

The Bay State

154K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 154K residents.

Cost Breakdown by Category

Annual spending: Providence, RI vs Springfield, MA

Category	Providence, RI	Springfield, MA	Difference	Change
Housing	$4,304/mo	$3,490/mo	↓ $814less	18.9%
Transportation	$1,659/mo	$1,346/mo	↓ $314less	18.9%
Other	$1,654/mo	$1,341/mo	↓ $313less	18.9%
Groceries	$1,028/mo	$925/mo	↓ $102less	10.0%
Healthcare	$708/mo	$637/mo	↓ $70.46less	10.0%
All Utilities	$682/mo	$614/mo	↓ $67.84less	10.0%

Housing

↓ 18.9%

Providence, RI

$4,304

Springfield, MA

$3,490

Difference

$814

less

Transportation

↓ 18.9%

Providence, RI

$1,659

Springfield, MA

$1,346

Difference

$314

less

Other

↓ 18.9%

Providence, RI

$1,654

Springfield, MA

$1,341

Difference

$313

less

Groceries

↓ 10.0%

Providence, RI

$1,028

Springfield, MA

$925

Difference

$102

less

Healthcare

↓ 10.0%

Providence, RI

$708

Springfield, MA

$637

Difference

$70.46

less

All Utilities

↓ 10.0%

Providence, RI

$682

Springfield, MA

$614

Difference

$67.84

less

🏠Rent Comparison

Studio

From$1,372

To$809

↓ $563

1 Bed

From$1,464

To$915

↓ $549

2 Bed

From$1,803

To$1,150

↓ $653

3 Bed

From$2,181

To$1,409

↓ $772

Providence, RIZIP-level data

1BR range: $1,400–$1,970/mo

Springfield, MAZIP-level data

1BR range: $1,240–$1,630/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$10,035

Monthly in Providence, RI

$8,353

Monthly in Springfield, MA

$1,682

Difference

Home Values

Providence

Springfield

$430K

Median Value

$294K

↑ +2%

YoY Change

↑ +2.5%

↑ +49.5%

5-Year Change

↑ +45.5%

$403K - $769K

Price Range

$137K - $323K

Homes in Springfield are 32% less expensive than Providence

Calculate payment - Providence Calculate payment - Springfield

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.1K

More taxes

Monthly Difference

$88.08

Less take-home

Effective Rate Diff

0.7%

Rate difference

Providence, RI

Federal Income Tax

Effective: 18.9%

$25.5K

Rhode Island State Tax

Effective: 4.3%

$6.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.0%

$43.5K

Take-Home Pay

$8,879/month

$106.5K

Springfield, 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

Providence, RI Tax Rates

Sales Tax:7.0%

Property Tax:1.4%

Springfield, 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.