Valley Stream, NY vs Peabody, MA: Cost of Living

Which city costs less?

Peabody, MA has a modeled overall cost index 5.2% lower than Valley Stream, NY.

Valley Stream, NY · modeled 2BR rent: $2,610 / month
Peabody, MA · modeled 2BR rent: $2,560 / 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 Valley Stream, NY and Peabody, 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 Valley Stream, NY

Numbers update automatically as you type

Estimated savings: $775/month in Peabody, MA

$150,000 in your current city has a modeled equivalent of $140,703 in Peabody, MA

Regional cost estimates: Valley Stream, NY uses New York, NY. Peabody, MA uses Boston, MA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 5.2%

Less expensive

Monthly Impact

$775

Savings

Annual Impact

$9.3K

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.

Valley Stream, NY

Population:40K

Cost Index:

148.5

100 = national average

Typical Home:$730K

Peabody, MA

Population:54K

Cost Index:

140.8

100 = national average

Typical Home:$677K

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Valley Stream, NY

The Empire State

40K

Population

State Tax

Yes

Located in New York, this city has a population of 40K residents.

Peabody, MA

The Bay State

54K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 54K residents.

Cost Breakdown by Category

Estimated monthly spending: Valley Stream, NY vs Peabody, 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	Valley Stream, NY	Peabody, MA	Difference	Change
Housing	$3,932/mo	$2,899/mo	↓ $1,033less	26.3%
Transportation	$915/mo	$1,118/mo	↑ $202more	22.1%
All Utilities	$365/mo	$450/mo	↑ $85.09more	23.3%
Healthcare	$418/mo	$467/mo	↑ $49.16more	11.8%
Other	$1,162/mo	$1,114/mo	↓ $47.85less	4.1%
Groceries	$708/mo	$678/mo	↓ $30.04less	4.2%

Housing

↓ 26.3%

Valley Stream, NY

$3,932

Peabody, MA

$2,899

Difference

$1,033

less

Transportation

↑ 22.1%

Valley Stream, NY

$915

Peabody, MA

$1,118

Difference

$202

All Utilities

↑ 23.3%

Valley Stream, NY

$365

Peabody, MA

$450

Difference

$85.09

Healthcare

↑ 11.8%

Valley Stream, NY

$418

Peabody, MA

$467

Difference

$49.16

Other

↓ 4.1%

Valley Stream, NY

$1,162

Peabody, MA

$1,114

Difference

$47.85

less

Groceries

↓ 4.2%

Valley Stream, NY

$708

Peabody, MA

$678

Difference

$30.04

less

🏠Rent Comparison

Studio

From$2,170

To$2,040

↓ $130

1 Bed

From$2,260

To$2,160

↓ $100

2 Bed

From$2,610

To$2,560

↓ $50.00

3 Bed

From$3,390

To$3,080

↓ $310

Valley Stream, NYZIP-level data

1BR range: $2,260–$2,260/mo

Peabody, MAZIP-level data

1BR range: $2,160–$2,160/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 Valley Stream, NY

$6,725

Monthly in Peabody, MA

$775

Difference

Home Values

Valley Stream

Peabody

$730K

Median Value

$677K

↑ +4.6%

YoY Change

↑ +1.2%

↑ +31.5%

5-Year Change

↑ +29.9%

Homes in Peabody are 7% less expensive than Valley Stream

Calculate payment - Valley Stream Calculate payment - Peabody

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

Valley Stream, 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

Peabody, 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

Valley Stream, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Peabody, 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

Valley Stream

Peabody

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 Valley Stream, NY to Peabody, MA

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

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

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

Frequently Asked Questions: Valley Stream, NY vs Peabody, MA

How do the cost estimates for Valley Stream, NY and Peabody, MA compare?

Peabody, MA has a modeled overall cost index 5.2% lower than Valley Stream, 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 Valley Stream, NY, the model estimates $140,703 in Peabody, 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 Valley Stream, NY and Peabody, MA?

The modeled two-bedroom rents are $2,610/month in Valley Stream, NY and $2,560/month in Peabody, 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