What is the cost of living in Springfield, MA?
According to the most recent data on the cost of living, Springfield has an overall cost of living index of 111, which is 1.1x higher than the national index of 100.
Compared to Massachusetts, Springfield has a cost of living index that's 0.9x lower than Massachusetts's index of 130.
The standard of living in Springfield ranks as #7 most affordable out of the 113 places we measured in Massachusetts. By definition, that implies Springfield ranks as the #106 most expensive place in the Bay State.
For more reading on life in Springfield, check out:
Springfield Cost Of Living Vs. Massachusetts
Six factors go into calculating the cost of living index in Springfield. Here is how it fares on each of the criteria:
The Services index in Springfield is 114.
The Groceries index in Springfield is 121.
The Health index in Springfield is 94.
The Housing index in Springfield is 113.
The Transportation index in Springfield is 117.
The Utilities index in Springfield is 121.
| Living Expense | Springfield | Massachusetts | National Average |
|---|---|---|---|
| Overall | 111 | 130 | 100 |
| Services | 114 | 110 | 100 |
| Groceries | 121 | 115 | 100 |
| Health | 94 | 168 | 100 |
| Housing | 113 | 117 | 100 |
| Transportation | 117 | 115 | 100 |
| Utilities | 121 | 114 | 100 |
Springfield 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
Springfield, 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 Springfield is $294,613.
The Median Rent in Springfield is $1,144.
The Median Income in Springfield is $52,656.
The Home Value To Income in Springfield is 5.6x.
The Rent To Monthly Income in Springfield is 0.26x.
| Statistic | Springfield | Massachusetts | United States |
|---|---|---|---|
| Median Home Value | $294,613 | $656,690 | $332,700 |
| Median Rent | $1,144 | $1,762 | $1,413 |
| Median Income | $52,656 | $103,960 | $80,734 |
| Home Value To Income | 5.6x | 6.3x | 4.1x |
| Rent To Monthly Income | 0.26x | 0.2x | 0.21x |
Springfield, MA Costs By Category
Detailed Springfield Services costs vs. Massachusetts
| Item | Springfield | Massachusetts |
|---|---|---|
| Shampoo | $1.42 | $1.28 |
| Movie | $12.85 | $12.13 |
| Bowling | $18.33 | $18 |
| Haircut | $33.78 | $24.26 |
| Beauty Salon | $58.55 | $45.56 |
Detailed Springfield Groceries costs vs. Massachusetts
| Item | Springfield | Massachusetts |
|---|---|---|
| Ground Beef | $6.23 | $5.84 |
| Fried Chicken | $1.46 | $1.57 |
| Milk | $4.73 | $4.67 |
| Potatoes | $4.96 | $4.93 |
| Pizza | $10.79 | $12.09 |
| Beer | $10.49 | $10.41 |
| Toothpaste | $3.65 | $3.7 |
Detailed Springfield Health costs vs. Massachusetts
| Item | Springfield | Massachusetts |
|---|---|---|
| Optometrist | $166.22 | $125.68 |
| Doctor | $182.5 | $135.78 |
| Dentist | $127.0 | $113.29 |
Detailed Springfield Transportation costs vs. Massachusetts
| Item | Springfield | Massachusetts |
|---|---|---|
| Gasoline | $3.34 | $3.46 |
| Tire Balancing | $71.63 | $59.92 |
Detailed Springfield Utilities costs vs. Massachusetts
| Item | Springfield | Massachusetts |
|---|---|---|
| All Electricity | $302.09 | $193.99 |
| Phone | $185.16 | $192.25 |
Springfield SnackAbility
Cost Of Living In Cities Around Springfield
The cost of living varies in the cities and towns around Springfield. Here's a quick look at the cost of living in the most populous nearby places:
Chicopee, MA has a cost of living index of 109, 1.0x Springfield.
Holyoke, MA has a cost of living index of 112, 1.0x Springfield.
West Springfield, VA has a cost of living index of 150, 1.4x Springfield.
| City | Population | Cost Of Living | Vs. Springfield |
|---|---|---|---|
| Chicopee, MA | 55,295 | 109 | 1.0x |
| Holyoke, MA | 37,813 | 112 | 1.0x |
| West Springfield, VA | 22,532 | 150 | 1.4x |
| Longmeadow, MA | 15,696 | 136 | 1.2x |
| Windsor Locks, CT | 12,579 | 113 | 1.0x |
| Southwood Acres, CT | 8,115 | 119 | 1.1x |
| Thompsonville, CT | 7,927 | 114 | 1.0x |
| Hazardville, CT | 6,022 | 112 | 1.0x |
| Sherwood Manor, CT | 5,706 | 119 | 1.1x |
