Is Springfield, MA cheaper than Yonkers, NY?

Based on cost of living data, Springfield, MA is 12.4% cheaper than Yonkers, NY. This translates to saving $928 per month.

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

If you earn $150,000 in Yonkers, NY, you'd need approximately $138,861.17 in Springfield, MA to maintain the same standard of living.

How does housing cost compare between Yonkers, NY and Springfield, MA?

Housing in Springfield, MA is 6.1% cheaper than in Yonkers, NY. For a two-bedroom apartment, rent is $1,150/month in Springfield, MA compared to $2,860/month in Yonkers, NY.

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

Moving from Yonkers, NY to Springfield, MA could save you approximately $928 per month, or $11139 per year, based on a $150,000 salary.

Yonkers, NY 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 Yonkers, NY

Numbers update automatically as you type

You'd save $928/month moving to Springfield, MA

$150.0K in your current city equals $138.9K in Springfield, MA

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 12.4%

Less expensive

Monthly Impact

$928

Savings

Annual Impact

$11.1K

Per year

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

Yonkers, NY

Population:208K

Cost Index:

100

100 = national average

Median Home:$648K

Springfield, MA

Population:154K

Cost Index:

(12% below avg)

Median Home:$294K

Yonkers, NY

The Empire State

208K

Population

State Tax

Yes

Located in New York, 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: Yonkers, NY vs Springfield, MA

Category	Yonkers, NY	Springfield, MA	Difference	Change
Other	$2,026/mo	$1,341/mo	↓ $684less	33.8%
Transportation	$1,598/mo	$1,346/mo	↓ $253less	15.8%
Housing	$3,716/mo	$3,490/mo	↓ $226less	6.1%
Groceries	$1,099/mo	$925/mo	↓ $174less	15.8%
Healthcare	$688/mo	$637/mo	↓ $50.28less	7.3%
All Utilities	$596/mo	$614/mo	↑ $18.12more	3.0%

Other

↓ 33.8%

Yonkers, NY

$2,026

Springfield, MA

$1,341

Difference

$684

less

Transportation

↓ 15.8%

Yonkers, NY

$1,598

Springfield, MA

$1,346

Difference

$253

less

Housing

↓ 6.1%

Yonkers, NY

$3,716

Springfield, MA

$3,490

Difference

$226

less

Groceries

↓ 15.8%

Yonkers, NY

$1,099

Springfield, MA

$925

Difference

$174

less

Healthcare

↓ 7.3%

Yonkers, NY

$688

Springfield, MA

$637

Difference

$50.28

less

All Utilities

↑ 3.0%

Yonkers, NY

$596

Springfield, MA

$614

Difference

$18.12

🏛️ Local Income Taxes

Yonkers, NY: Yonkers Surcharge (16.75% of state tax)$2,939/yr (2.0%)

Springfield, MA has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$2,490

To$809

↓ $1,681

1 Bed

From$2,610

To$915

↓ $1,695

2 Bed

From$2,860

To$1,150

↓ $1,710

3 Bed

From$3,580

To$1,409

↓ $2,171

Yonkers, NYZIP-level data

1BR range: $2,400–$2,710/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.

$9,722

Monthly in Yonkers, NY

$8,353

Monthly in Springfield, MA

$1,369

Difference

Home Values

Yonkers

Springfield

$648K

Median Value

$294K

↑ +4.6%

YoY Change

↑ +2.5%

↑ +30.3%

5-Year Change

↑ +45.5%

$598K - $729K

Price Range

$137K - $323K

Homes in Springfield are 55% less expensive than Yonkers

Calculate payment - Yonkers Calculate payment - Springfield

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

Yonkers, 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

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

Yonkers, NY Tax Rates

Sales Tax:8.8%

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.