Is Springfield, MA cheaper than Worcester, MA?

Based on cost of living data, Springfield, MA is 19.1% cheaper than Worcester, MA. This translates to saving $1434 per month.

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

If you earn $150,000 in Worcester, MA, you'd need approximately $132,795.693 in Springfield, MA to maintain the same standard of living.

How does housing cost compare between Worcester, MA and Springfield, MA?

Housing in Springfield, MA is 19.1% cheaper than in Worcester, MA. For a two-bedroom apartment, rent is $1,150/month in Springfield, MA compared to $1,645/month in Worcester, MA.

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

Moving from Worcester, MA to Springfield, MA could save you approximately $1434 per month, or $17204 per year, based on a $150,000 salary.

Worcester, MA 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 Worcester, MA

Numbers update automatically as you type

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

$150.0K in your current city equals $132.8K in Springfield, MA

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

Overall Cost

↓ 19.1%

Less expensive

Monthly Impact

$1,434

Savings

Annual Impact

$17.2K

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

Springfield, MA

Population:154K

Cost Index:

(19% below avg)

Median Home:$294K

Worcester, MA

The Bay State

208K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 208K 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: Worcester, MA vs Springfield, MA

Category	Worcester, MA	Springfield, MA	Difference	Change
Housing	$4,315/mo	$3,490/mo	↓ $825less	19.1%
Transportation	$1,664/mo	$1,346/mo	↓ $318less	19.1%
Other	$1,658/mo	$1,341/mo	↓ $317less	19.1%
Groceries	$1,029/mo	$925/mo	↓ $104less	10.1%
Healthcare	$709/mo	$637/mo	↓ $71.34less	10.1%
All Utilities	$682/mo	$614/mo	↓ $68.68less	10.1%

Housing

↓ 19.1%

Worcester, MA

$4,315

Springfield, MA

$3,490

Difference

$825

less

Transportation

↓ 19.1%

Worcester, MA

$1,664

Springfield, MA

$1,346

Difference

$318

less

Other

↓ 19.1%

Worcester, MA

$1,658

Springfield, MA

$1,341

Difference

$317

less

Groceries

↓ 10.1%

Worcester, MA

$1,029

Springfield, MA

$925

Difference

$104

less

Healthcare

↓ 10.1%

Worcester, MA

$709

Springfield, MA

$637

Difference

$71.34

less

All Utilities

↓ 10.1%

Worcester, MA

$682

Springfield, MA

$614

Difference

$68.68

less

🏠Rent Comparison

Studio

From$1,275

To$809

↓ $466

1 Bed

From$1,282

To$915

↓ $367

2 Bed

From$1,645

To$1,150

↓ $495

3 Bed

From$2,039

To$1,409

↓ $630

Worcester, MAZIP-level data

1BR range: $1,500–$1,750/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.

$10,057

Monthly in Worcester, MA

$8,353

Monthly in Springfield, MA

$1,703

Difference

Home Values

Worcester

Springfield

$410K

Median Value

$294K

↑ +1.3%

YoY Change

↑ +2.5%

↑ +42.4%

5-Year Change

↑ +45.5%

$188K - $530K

Price Range

$137K - $323K

Homes in Springfield are 28% less expensive than Worcester

Calculate payment - Worcester Calculate payment - Springfield

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

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

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

Worcester, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.