Springfield, MA vs New Haven, CT: Cost of Living

Which city costs less?

New Haven, CT has a modeled overall cost index 5.4% higher than Springfield, MA.

Springfield, MA · modeled 2BR rent: $1,840 / month
New Haven, CT · modeled 2BR rent: $2,040 / 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 Springfield, MA and New Haven, CT 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 Springfield, MA

Numbers update automatically as you type

Estimated extra cost: $831/month in New Haven, CT

$150,000 in your current city has a modeled equivalent of $159,968 in New Haven, CT

Regional cost estimates: Springfield, MA uses Boston, MA. New Haven, CT uses New York, NY. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 5.4%

More expensive

Monthly Impact

$831

Extra cost

Annual Impact

$10.0K

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.

Springfield, MA

Population:154K

Cost Index:

119.5

100 = national average

Typical Home:$294K

New Haven, CT

Population:135K

Cost Index:

126.0

100 = national average

Typical Home:$353K

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Springfield, MA

The Bay State

154K

Population

State Tax

Yes

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

New Haven, CT

The Constitution State

135K

Population

State Tax

Yes

Located in Connecticut, this city has a population of 135K residents.

Cost Breakdown by Category

Estimated monthly spending: Springfield, MA vs New Haven, CT

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	Springfield, MA	New Haven, CT	Difference	Change
Housing	$3,169/mo	$4,295/mo	↑ $1,126more	35.5%
Transportation	$1,222/mo	$1,000/mo	↓ $222less	18.2%
All Utilities	$533/mo	$432/mo	↓ $101less	19.0%
Healthcare	$554/mo	$496/mo	↓ $58.54less	10.6%
Other	$1,218/mo	$1,269/mo	↑ $51.20more	4.2%
Groceries	$804/mo	$840/mo	↑ $35.28more	4.4%

Housing

↑ 35.5%

Springfield, MA

$3,169

New Haven, CT

$4,295

Difference

$1,126

Transportation

↓ 18.2%

Springfield, MA

$1,222

New Haven, CT

$1,000

Difference

$222

less

All Utilities

↓ 19.0%

Springfield, MA

$533

New Haven, CT

$432

Difference

$101

less

Healthcare

↓ 10.6%

Springfield, MA

$554

New Haven, CT

$496

Difference

$58.54

less

Other

↑ 4.2%

Springfield, MA

$1,218

New Haven, CT

$1,269

Difference

$51.20

Groceries

↑ 4.4%

Springfield, MA

$804

New Haven, CT

$840

Difference

$35.28

🏠Rent Comparison

Studio

From$1,295

To$1,420

↑ $125

1 Bed

From$1,465

To$1,650

↑ $185

2 Bed

From$1,840

To$2,040

↑ $200

3 Bed

From$2,255

To$2,520

↑ $265

Springfield, MAZIP-level data

1BR range: $1,240–$1,630/mo

New Haven, CTZIP-level data

1BR range: $1,520–$2,100/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 Springfield, MA

$8,331

Monthly in New Haven, CT

$831

Difference

Home Values

Springfield

New Haven

$294K

Median Value

$353K

↑ +2.5%

YoY Change

↑ +3.5%

↑ +45.5%

5-Year Change

↑ +43.5%

$137K - $323K

Price Range

$286K - $385K

Homes in New Haven are 20% more expensive than Springfield

Calculate payment - Springfield Calculate payment - New Haven

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

New Haven, 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%

New Haven, 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.

Environment

Springfield

New Haven

36 Good

Air Quality

43 Good

79.5%

Good Air Days

65.8%

94 Moderate

Climate Risk

99 High

🌊🌅🌀

Top Hazards

🌊🌀🌡

▲+2.5°F

2050 Outlook

▲+2.7°F

6 days

Heat Days >95°F

11 days

▲+2.5°F

2050 Outlook

▲+2.7°F

6 days

Heat Days >95°F

11 days

Before moving from Springfield, MA to New Haven, CT

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

Compare actual homes. Get current quotes in New Haven, CT for the same bedroom count and included utilities as your home in Springfield, MA. 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 Springfield to New Haven moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to New Haven, CT by cost, housing, population and region.

Frequently Asked Questions: Springfield, MA vs New Haven, CT

How do the cost estimates for Springfield, MA and New Haven, CT compare?

New Haven, CT has a modeled overall cost index 5.4% higher than Springfield, MA. 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 Springfield, MA, the model estimates $159,968 in New Haven, CT. 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 Springfield, MA and New Haven, CT?

The modeled two-bedroom rents are $1,840/month in Springfield, MA and $2,040/month in New Haven, CT. 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 Massachusetts and Connecticut on TaxTakeHome.com