Is Hartford, CT cheaper than Springfield, MA?

Based on cost of living data, Hartford, CT is 8.2% cheaper than Springfield, MA. This translates to saving $616 per month.

What salary do I need in Hartford, CT to live like I do in Springfield, MA?

If you earn $150,000 in Springfield, MA, you'd need approximately $142,606.966 in Hartford, CT to maintain the same standard of living.

How does housing cost compare between Springfield, MA and Hartford, CT?

Housing in Hartford, CT is 8.2% cheaper than in Springfield, MA. For a two-bedroom apartment, rent is $1,018/month in Hartford, CT compared to $1,150/month in Springfield, MA.

How much can I save per month by moving from Springfield, MA to Hartford, CT?

Moving from Springfield, MA to Hartford, CT could save you approximately $616 per month, or $7393 per year, based on a $150,000 salary.

Springfield, MA vs Hartford, CT: 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 Springfield, MA

Numbers update automatically as you type

You'd save $616/month moving to Hartford, CT

$150.0K in your current city equals $142.6K in Hartford, CT

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 8.2%

Less expensive

Monthly Impact

$616

Savings

Annual Impact

$7.4K

Per year

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

Springfield, MA

Population:154K

Cost Index:

100

100 = national average

Median Home:$294K

Hartford, CT

Population:120K

Cost Index:

(8% below avg)

Median Home:$217K

Springfield, MA

The Bay State

154K

Population

State Tax

Yes

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

Hartford, CT

The Constitution State

120K

Population

State Tax

Yes

Located in Connecticut, this city has a population of 120K residents.

Cost Breakdown by Category

Annual spending: Springfield, MA vs Hartford, CT

Category	Springfield, MA	Hartford, CT	Difference	Change
Housing	$3,490/mo	$3,203/mo	↓ $287less	8.2%
Transportation	$1,346/mo	$1,235/mo	↓ $111less	8.2%
Other	$1,341/mo	$1,231/mo	↓ $110less	8.2%
Groceries	$925/mo	$886/mo	↓ $38.82less	4.2%
Healthcare	$637/mo	$611/mo	↓ $26.74less	4.2%
All Utilities	$614/mo	$588/mo	↓ $25.75less	4.2%

Housing

↓ 8.2%

Springfield, MA

$3,490

Hartford, CT

$3,203

Difference

$287

less

Transportation

↓ 8.2%

Springfield, MA

$1,346

Hartford, CT

$1,235

Difference

$111

less

Other

↓ 8.2%

Springfield, MA

$1,341

Hartford, CT

$1,231

Difference

$110

less

Groceries

↓ 4.2%

Springfield, MA

$925

Hartford, CT

$886

Difference

$38.82

less

Healthcare

↓ 4.2%

Springfield, MA

$637

Hartford, CT

$611

Difference

$26.74

less

All Utilities

↓ 4.2%

Springfield, MA

$614

Hartford, CT

$588

Difference

$25.75

less

🏠Rent Comparison

Studio

From$809

To$703

↓ $106

1 Bed

From$915

To$806

↓ $109

2 Bed

From$1,150

To$1,018

↓ $132

3 Bed

From$1,409

To$1,219

↓ $190

Springfield, MAZIP-level data

1BR range: $1,240–$1,630/mo

Hartford, CTZIP-level data

1BR range: $1,300–$1,900/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.

$8,353

Monthly in Springfield, MA

$7,755

Monthly in Hartford, CT

$599

Difference

Home Values

Springfield

Hartford

$294K

Median Value

$217K

↑ +2.5%

YoY Change

↑ +6.1%

↑ +45.5%

5-Year Change

↑ +60.2%

$137K - $323K

Price Range

$111K - $247K

Homes in Hartford are 26% less expensive than Springfield

Calculate payment - Springfield Calculate payment - Hartford

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $550

More taxes

Monthly Difference

$45.83

Less take-home

Effective Rate Diff

0.4%

Rate difference

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

Hartford, CT

Federal Income Tax

Effective: 18.9%

$25.5K

Connecticut State Tax

Effective: 5.4%

$8.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$45.1K

Take-Home Pay

$8,745/month

$104.9K

Additional Tax Information

Springfield, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Hartford, CT Tax Rates

Sales Tax:6.3%

Property Tax:2.1%

💡 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.