What is the cost of living in Adams, MA?
According to the most recent data on the cost of living, Adams has an overall cost of living index of 102, which is 1.0x higher than the national index of 100.
Compared to Massachusetts, Adams has a cost of living index that's 0.8x lower than Massachusetts's index of 130.
The standard of living in Adams ranks as #1 most affordable out of the 113 places we measured in Massachusetts. By definition, that implies Adams ranks as the #112 most expensive place in the Bay State.
For more reading on life in Adams, check out:
Adams Cost Of Living Vs. Massachusetts
Six factors go into calculating the cost of living index in Adams. Here is how it fares on each of the criteria:
The Services index in Adams is 108.
The Groceries index in Adams is 117.
The Health index in Adams is 86.
The Housing index in Adams is 115.
The Transportation index in Adams is 110.
The Utilities index in Adams is 112.
| Living Expense | Adams | Massachusetts | National Average |
|---|---|---|---|
| Overall | 102 | 130 | 100 |
| Services | 108 | 110 | 100 |
| Groceries | 117 | 115 | 100 |
| Health | 86 | 168 | 100 |
| Housing | 115 | 117 | 100 |
| Transportation | 110 | 115 | 100 |
| Utilities | 112 | 114 | 100 |
Adams Cost Of Living Compared To Massachusetts Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Massachusetts, check out:
- Most Expensive Cities In Massachusetts
- Most Affordable Cities In Massachusetts
- Average Rent In Massachusetts
Source: Cost-of-living index 2026, normalized to US average = 100
Adams, MA Housing Cost Breakdown
Housing swings affordability the most between places in Massachusetts, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Adams is $262,180.
The Median Rent in Adams is $927.
The Median Income in Adams is $48,775.
The Home Value To Income in Adams is 5.4x.
The Rent To Monthly Income in Adams is 0.23x.
| Statistic | Adams | Massachusetts | United States |
|---|---|---|---|
| Median Home Value | $262,180 | $656,690 | $332,700 |
| Median Rent | $927 | $1,762 | $1,413 |
| Median Income | $48,775 | $103,960 | $80,734 |
| Home Value To Income | 5.4x | 6.3x | 4.1x |
| Rent To Monthly Income | 0.23x | 0.2x | 0.21x |
Adams, MA Costs By Category
Detailed Adams Services costs vs. Massachusetts
| Item | Adams | Massachusetts |
|---|---|---|
| Shampoo | $1.28 | $1.28 |
| Movie | $13.08 | $12.13 |
| Bowling | $15.96 | $18 |
| Haircut | $28.28 | $24.26 |
| Beauty Salon | $51.36 | $45.56 |
Detailed Adams Groceries costs vs. Massachusetts
| Item | Adams | Massachusetts |
|---|---|---|
| Ground Beef | $6.06 | $5.84 |
| Fried Chicken | $1.6 | $1.57 |
| Milk | $4.85 | $4.67 |
| Potatoes | $5.09 | $4.93 |
| Pizza | $14.69 | $12.09 |
| Beer | $10.9 | $10.41 |
| Toothpaste | $3.74 | $3.7 |
Detailed Adams Health costs vs. Massachusetts
| Item | Adams | Massachusetts |
|---|---|---|
| Optometrist | $132.47 | $125.68 |
| Doctor | $111.33 | $135.78 |
| Dentist | $111.69 | $113.29 |
Detailed Adams Transportation costs vs. Massachusetts
| Item | Adams | Massachusetts |
|---|---|---|
| Gasoline | $3.55 | $3.46 |
| Tire Balancing | $50.33 | $59.92 |
Detailed Adams Utilities costs vs. Massachusetts
| Item | Adams | Massachusetts |
|---|---|---|
| All Electricity | $196.7 | $193.99 |
| Phone | $195.71 | $192.25 |
Adams SnackAbility
Cost Of Living In Cities Around Adams
The cost of living varies in the cities and towns around Adams. Here's a quick look at the cost of living in the most populous nearby places:
Pittsfield, MA has a cost of living index of 108, 1.1x Adams.
Saratoga Springs, NY has a cost of living index of 135, 1.3x Adams.
Niskayuna, NY has a cost of living index of 124, 1.2x Adams.
| City | Population | Cost Of Living | Vs. Adams |
|---|---|---|---|
| Pittsfield, MA | 43,457 | 108 | 1.1x |
| Saratoga Springs, NY | 28,631 | 135 | 1.3x |
| Niskayuna, NY | 21,227 | 124 | 1.2x |
| Cohoes, NY | 18,159 | 104 | 1.0x |
| Longmeadow, MA | 15,696 | 136 | 1.3x |
| Greenville, OH | 12,741 | 83 | 0.8x |
| North Adams, MA | 12,606 | 104 | 1.0x |
| Rensselaer, NY | 9,287 | 104 | 1.0x |
| Bennington, VT | 9,245 | 103 | 1.0x |
| Westmere, NY | 8,334 | 121 | 1.2x |
