What is the cost of living in Andover, MA?
According to the most recent data on the cost of living, Andover has an overall cost of living index of 160, which is 1.6x higher than the national index of 100.
Compared to Massachusetts, Andover has a cost of living index that's 1.2x higher than Massachusetts's index of 130.
The standard of living in Andover ranks as #84 most affordable out of the 113 places we measured in Massachusetts. By definition, that implies Andover ranks as the #29 most expensive place in the Bay State.
For more reading on life in Andover, check out:
Andover Cost Of Living Vs. Massachusetts
Six factors go into calculating the cost of living index in Andover. Here is how it fares on each of the criteria:
The Services index in Andover is 110.
The Groceries index in Andover is 117.
The Health index in Andover is 260.
The Housing index in Andover is 118.
The Transportation index in Andover is 120.
The Utilities index in Andover is 115.
| Living Expense | Andover | Massachusetts | National Average |
|---|---|---|---|
| Overall | 160 | 130 | 100 |
| Services | 110 | 110 | 100 |
| Groceries | 117 | 115 | 100 |
| Health | 260 | 168 | 100 |
| Housing | 118 | 117 | 100 |
| Transportation | 120 | 115 | 100 |
| Utilities | 115 | 114 | 100 |
Andover 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
Andover, 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 Andover is $989,405.
The Median Rent in Andover is $1,759.
The Median Income in Andover is $126,563.
The Home Value To Income in Andover is 7.8x.
The Rent To Monthly Income in Andover is 0.17x.
| Statistic | Andover | Massachusetts | United States |
|---|---|---|---|
| Median Home Value | $989,405 | $656,690 | $332,700 |
| Median Rent | $1,759 | $1,762 | $1,413 |
| Median Income | $126,563 | $103,960 | $80,734 |
| Home Value To Income | 7.8x | 6.3x | 4.1x |
| Rent To Monthly Income | 0.17x | 0.2x | 0.21x |
Andover, MA Costs By Category
Detailed Andover Services costs vs. Massachusetts
| Item | Andover | Massachusetts |
|---|---|---|
| Shampoo | $1.49 | $1.28 |
| Movie | $15.49 | $12.13 |
| Bowling | $29.33 | $18 |
| Haircut | $43.72 | $24.26 |
| Beauty Salon | $65.56 | $45.56 |
Detailed Andover Groceries costs vs. Massachusetts
| Item | Andover | Massachusetts |
|---|---|---|
| Ground Beef | $5.48 | $5.84 |
| Fried Chicken | $1.45 | $1.57 |
| Milk | $4.76 | $4.67 |
| Potatoes | $4.99 | $4.93 |
| Pizza | $12.52 | $12.09 |
| Beer | $10.21 | $10.41 |
| Toothpaste | $3.53 | $3.7 |
Detailed Andover Health costs vs. Massachusetts
| Item | Andover | Massachusetts |
|---|---|---|
| Optometrist | $123.17 | $125.68 |
| Doctor | $157.89 | $135.78 |
| Dentist | $149.22 | $113.29 |
Detailed Andover Transportation costs vs. Massachusetts
| Item | Andover | Massachusetts |
|---|---|---|
| Gasoline | $3.43 | $3.46 |
| Tire Balancing | $97.39 | $59.92 |
Detailed Andover Utilities costs vs. Massachusetts
| Item | Andover | Massachusetts |
|---|---|---|
| All Electricity | $302.72 | $193.99 |
| Phone | $187.85 | $192.25 |
Andover SnackAbility
Cost Of Living In Cities Around Andover
The cost of living varies in the cities and towns around Andover. Here's a quick look at the cost of living in the most populous nearby places:
Lowell, MA has a cost of living index of 127, 0.8x Andover.
Lawrence, MA has a cost of living index of 127, 0.8x Andover.
Haverhill, MA has a cost of living index of 127, 0.8x Andover.
| City | Population | Cost Of Living | Vs. Andover |
|---|---|---|---|
| Lowell, MA | 118,368 | 127 | 0.8x |
| Lawrence, MA | 88,736 | 127 | 0.8x |
| Haverhill, MA | 67,698 | 127 | 0.8x |
| Arlington, MA | 46,350 | 173 | 1.1x |
| Lexington, MA | 34,295 | 209 | 1.3x |
| Melrose, MA | 29,650 | 167 | 1.0x |
| Belmont, MA | 27,175 | 203 | 1.3x |
| Reading, MA | 25,612 | 162 | 1.0x |
| Winchester, MA | 23,406 | 210 | 1.3x |
| Wilmington, MA | 23,336 | 156 | 1.0x |
