Is Miami, FL cheaper than Worcester, MA?

Based on cost of living data, Miami, FL is 9.2% cheaper than Worcester, MA. This translates to saving $688 per month.

What salary do I need in Miami, FL to live like I do in Worcester, MA?

If you earn $150,000 in Worcester, MA, you'd need approximately $141,748.553 in Miami, FL to maintain the same standard of living.

How does housing cost compare between Worcester, MA and Miami, FL?

Housing in Miami, FL is 14.5% cheaper than in Worcester, MA. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $1,645/month in Worcester, MA.

How much can I save per month by moving from Worcester, MA to Miami, FL?

Moving from Worcester, MA to Miami, FL could save you approximately $688 per month, or $8251 per year, based on a $150,000 salary.

Worcester, MA vs Miami, FL: 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 Worcester, MA

Numbers update automatically as you type

You'd save $688/month moving to Miami, FL

$150.0K in your current city equals $141.7K in Miami, FL

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

Overall Cost

↓ 9.2%

Less expensive

Monthly Impact

$688

Savings

Annual Impact

$8.3K

Per year

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

Worcester, MA

Population:208K

Cost Index:

100

100 = national average

Median Home:$410K

Miami, FL

Population:442K

Cost Index:

(9% below avg)

Median Home:$510K

Worcester, MA

The Bay State

208K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 208K residents.

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: Worcester, MA vs Miami, FL

Category	Worcester, MA	Miami, FL	Difference	Change
Housing	$4,315/mo	$3,690/mo	↓ $625less	14.5%
Other	$1,658/mo	$2,093/mo	↑ $434more	26.2%
Transportation	$1,664/mo	$1,462/mo	↓ $202less	12.1%
All Utilities	$682/mo	$519/mo	↓ $163less	23.9%
Healthcare	$709/mo	$589/mo	↓ $120less	17.0%
Groceries	$1,029/mo	$1,079/mo	↑ $50.37more	4.9%

Housing

↓ 14.5%

Worcester, MA

$4,315

Miami, FL

$3,690

Difference

$625

less

Other

↑ 26.2%

Worcester, MA

$1,658

Miami, FL

$2,093

Difference

$434

Transportation

↓ 12.1%

Worcester, MA

$1,664

Miami, FL

$1,462

Difference

$202

less

All Utilities

↓ 23.9%

Worcester, MA

$682

Miami, FL

$519

Difference

$163

less

Healthcare

↓ 17.0%

Worcester, MA

$709

Miami, FL

$589

Difference

$120

less

Groceries

↑ 4.9%

Worcester, MA

$1,029

Miami, FL

$1,079

Difference

$50.37

🏠Rent Comparison

Studio

From$1,275

To$1,995

↑ $720

1 Bed

From$1,282

To$2,180

↑ $898

2 Bed

From$1,645

To$2,660

↑ $1,015

3 Bed

From$2,039

To$3,415

↑ $1,376

Worcester, MAZIP-level data

1BR range: $1,500–$1,750/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/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.

$10,057

Monthly in Worcester, MA

$9,431

Monthly in Miami, FL

$626

Difference

Home Values

Worcester

Miami

$410K

Median Value

$510K

↑ +1.3%

YoY Change

↓ -3.6%

↑ +42.4%

5-Year Change

↑ +49.4%

$188K - $530K

Price Range

$278K - $1.53M

Homes in Miami are 24% more expensive than Worcester

Calculate payment - Worcester Calculate payment - Miami

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.5K

Per year

Monthly Difference

$625

More take-home

Effective Rate Diff

5.0%

Rate difference

Worcester, 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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Worcester, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

Miami, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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.