Affordable Places to Live in Massachusetts (2026) | Cash Math
February 2, 2026
6 minutes
From cheap towns with rich history to affordable coastal gems, there are places in Massachusetts where you can still live well-without draining your savings.
In 2025, the median home price in Massachusetts is $615,000, but that doesn’t mean budget-friendly options are off the table. Whether you're searching for the:
Cheapest places to live in Massachusetts Affordable cities near Boston Safe and low-cost New England towns Or just want the lowest cost of living with solid job access.
This guide breaks down the most affordable places to live in Massachusetts based on cost, safety, and livability-plus tips to save thousands when buying or renting.
Quick Snapshot: Cheapest & Most Affordable Places to Live in Massachusetts (2025)
| Location | Median Home Price | Avg. Rent | What Makes It Affordable |
|---|---|---|---|
Springfield | ~$300,000 | ~$1,200/mo | Low housing costs, strong job market, cultural scene |
Chicopee | ~$302,000 | ~$1,300/mo | Suburban feel, great schools, lower living costs |
Pittsfield | ~$298,000 | ~$1,000/mo | Scenic Berkshires views, vibrant arts, low rent |
Gardner | ~$357,000 | ~$1,500/mo | Small-town charm, historic vibe, family-friendly |
Fitchburg | ~$384,000 | ~$1,400/mo | Commuter rail access, green spaces, solid job base |
North Adams | ~$246,000 | ~$1,000/mo | One of the lowest home prices in the state, artsy town |
Holyoke | ~$310,000 | ~$1,200/mo | Riverside location, historic mills, low housing costs |
| Taunton | ~$400,000 | ~$1,500/mo | Easy Boston access, historic charm, balanced costs |
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Why Choose Massachusetts for Affordable Living?
Massachusetts is often associated with high living costs, particularly in Boston and its surrounding suburbs. However, there are many areas across the state that offer low-cost living in Massachusetts while still providing great amenities, job opportunities, and a high quality of life. Here’s why Massachusetts remains an excellent choice for affordable living:
1. Strong Job Market & Economic Growth
Massachusetts has a thriving economy with major industries such as technology, healthcare, education, and finance. Cities like Worcester, Lowell, and Springfield offer a lower cost of living compared to Boston but still provide access to high-paying jobs.
2. Excellent Education & Healthcare
The state is home to some of the best public school systems in the U.S., making it an attractive choice for families. Massachusetts also boasts top-tier healthcare institutions, ensuring residents have access to quality medical care.
3. Rich History & Cultural Attractions
From the historic streets of Salem to the picturesque Berkshires, Massachusetts offers plenty of cultural, recreational, and outdoor activities. Many of the best cities to live in Massachusetts have affordable housing options while maintaining vibrant local communities.
Understanding Living Costs in Massachusetts
Before choosing a city to move to, it’s important to understand the Massachusetts cost of living in terms of housing, transportation, utilities, and other expenses.
Housing Costs
Housing is often the biggest expense when living in Massachusetts. Here’s a breakdown of median home prices in Massachusetts and rental costs:
- Statewide median home price: $570,000 (as of 2024)
- Apartment prices in Massachusetts: $2,800/month for a one-bedroom in Boston, but significantly lower in smaller cities like Springfield ($1,200/month)
Utility Costs
Massachusetts experiences cold winters, meaning heating costs can be high. On average, residents spend $200–$300 per month on utilities, including electricity, heating, and water.
Transportation Costs
If you live in a city with public transportation, such as Boston, Worcester, or Lowell, a monthly transit pass costs around $90–$150. In suburban or rural areas, car expenses such as gas, insurance, and maintenance can add up to $400–$600 per month.
Grocery & Daily Expenses
A typical household of two spends between $400–$600 per month on groceries, depending on location and shopping habits. Dining out is also more affordable in smaller cities compared to Boston.
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Top Affordable Towns and Cities in Massachusetts
Now that you have an overview of the Massachusetts cost of living, let's explore some of the cheapest places to live in Massachusetts that provide affordable housing and a high quality of life.
1. Springfield
Springfield, the largest city in western Massachusetts, is known for its rich history and affordability. It offers urban conveniences, cultural attractions, and access to outdoor recreation.
- Home Prices: Median home price ~$300,000, lower than the state average.
- Cost of Living: Affordable housing; rent averages ~$1,200/month.
- Job Market: Strong in healthcare, education, and manufacturing; major employers include Baystate Health and MassMutual.
2. Chicopee
Chicopee, known as the "Crossroads of New England," offers a suburban feel with easy access to major highways and nearby cities. It’s a family-friendly community with parks, shopping, and strong local schools.
- Home Prices: Median home price ~$301,948, making it an affordable option.
- Cost of Living: Lower than the state average; rent averages ~$1,300/month.
- Job Market: Opportunities in manufacturing, healthcare, and retail; major employers include Westover Air Reserve Base and Baystate Health.
3. Pittsfield
Pittsfield, the heart of the Berkshires, is known for its scenic beauty, arts scene, and outdoor recreation. It offers a small-town feel with cultural attractions like the Barrington Stage Company and Hancock Shaker Village.
- Home Prices: Median home price ~$297,911, among the lowest in the state.
- Cost of Living: Affordable housing; rent averages ~$1,000/month.
- Job Market: Strong in healthcare, education, and tourism; major employers include Berkshire Health Systems and General Dynamics.
4. Gardner
Gardner, known as the "Furniture Capital of New England," is a small city with a close-knit community and affordable living. It offers a mix of historic charm, outdoor recreation, and easy access to Worcester.
- Home Prices: Median home price ~$356,924, lower than the state average.
- Cost of Living: Budget-friendly; rent averages ~$1,500/month.
- Job Market: Opportunities in manufacturing, healthcare, and education; major employers include Heywood Hospital and Mount Wachusett Community College.
5. Fitchburg
Fitchburg, a historic city in north-central Massachusetts, offers a blend of urban and suburban living with scenic parks and a growing arts scene. It provides easy access to Boston via commuter rail.
- Home Prices: Median home price ~$383,985, more affordable than nearby Boston suburbs.
- Cost of Living: Lower than the state average; rent averages ~$1,400/month.
- Job Market: Strong in education, healthcare, and manufacturing; major employers include Fitchburg State University and UMass Memorial Health.
Most Affordable Places to Buy a House in Massachusetts
If you're looking to buy instead of rent, here are some of the best budget-friendly cities in Massachusetts with lower-than-average home prices.
1. North Adams
North Adams, a small city in the Berkshires, is known for its vibrant arts scene, outdoor recreation, and affordability. It’s home to MASS MoCA, one of the largest contemporary art museums in the U.S.
- Home Prices: Median home price ~$245,838, among the lowest in Massachusetts.
- Cost of Living: Very affordable; rent averages ~$1,000/month.
- Job Market: Opportunities in arts, education, and healthcare; major employers include MASS MoCA, Williams College, and Berkshire Health Systems.
2. Holyoke
Holyoke, a historic mill city along the Connecticut River, is known for its industrial heritage, diverse community, and revitalization efforts. It offers scenic parks, cultural attractions, and a growing economy.
- Home Prices: Median home price ~$309,611, making it a budget-friendly option.
- Cost of Living: Lower than the state average; rent averages ~$1,200/month.
- Job Market: Opportunities in manufacturing, healthcare, and education; major employers include Holyoke Medical Center and Hazen Paper Company.
3. Taunton
Taunton, one of the oldest cities in the U.S., offers a mix of historic charm, suburban living, and convenient access to Boston and Providence. It features parks, a growing economy, and family-friendly neighborhoods.
- Home Prices: Median home price ~$400,000, lower than many Boston suburbs.
- Cost of Living: More affordable than Greater Boston; rent averages ~$1,500/month.
- Job Market: Strong in healthcare, manufacturing, and retail; major employers include Morton Hospital and General Dynamics.
Affordable Housing Programs and Assistance in Massachusetts
Massachusetts offers various programs to help first-time homebuyers and renters find affordable housing in Massachusetts.
1. MassHousing
- Offers low-interest mortgages and down payment assistance for first-time homebuyers.
- Provides affordable rental housing options.
2. Residential Assistance for Families in Transition (RAFT)
- Provides up to $7,000 in rental assistance to prevent homelessness.
3. Common Housing Application for Massachusetts Programs (CHAMP)
- A one-stop application for state-aided public housing and rental vouchers.
Cheapest Cities to Rent in Massachusetts in 2025
Not ready to buy yet? Renting in Massachusetts doesn’t have to mean sky-high prices. While Boston’s average rent has soared past $2,800/month, there are still hidden gems across the state where you can rent affordably-without sacrificing location, safety, or lifestyle.
Here are the cheapest cities to rent in Massachusetts right now:
| City | Average Rent (1-Bed) | Why It’s Worth It |
|---|---|---|
Pittsfield | ~$1,000/month | Scenic Berkshires views, strong arts scene, low cost of living |
Springfield | ~$1,200/month | Major city amenities, affordable housing, access to healthcare |
Holyoke | ~$1,200/month | Riverside charm, growing economy, historic mill town rebirth |
Chicopee | ~$1,300/month | Family-friendly with parks, solid schools, easy commutes |
| Fitchburg | ~$1,400/month | Urban-suburban blend, commuter rail to Boston, arts + education hub |
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Where Is the Lowest Cost of Living in Massachusetts?
Wondering which Massachusetts city gives you the most bang for your buck? Here's your breakdown of the lowest cost of living towns based on housing, rent, transportation, and day-to-day expenses.
| City | Median Home Price | Monthly Utilities | Transit / Car Costs | Vibe |
|---|---|---|---|---|
North Adams | ~$245,000 | ~$250 | ~$400 (car dependent) | Artsy, peaceful, small-town |
Pittsfield | ~$298,000 | ~$260 | ~$450 | Berkshires lifestyle |
Springfield | ~$300,000 | ~$270 | ~$500 | Urban, historic, budget-friendly |
| Chicopee | ~$302,000 | ~$260 | ~$450 | Suburban access, great for families |
These towns offer the lowest cost of living in Massachusetts while still providing access to jobs, culture, and community.
Affordable & Safe Places to Live in Massachusetts for Families
Safety and affordability don’t have to be opposites. If you're looking for family-friendly towns with low crime, good schools, and livable rent, these cities should be at the top of your list.
City | Crime Rate | School Quality | Avg. Rent | Why It’s Ideal for Families |
|---|---|---|---|---|
Chicopee | Low | Above Average | ~$1,300 | Parks, great community, strong local schools |
Fitchburg | Low | Solid Public Options | ~$1,400 | Family-sized homes, scenic parks, commuter access |
Gardner | Very Low | Safe Suburban | ~$1,500 | Quiet lifestyle, good schools, close to Worcester |
| Holyoke | Low | Improving Rapidly | ~$1,200 | Revitalized downtown, kid-friendly activities |
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FAQs
1. What is the cheapest place to live in Massachusetts right now?
As of 2025, North Adams is considered the cheapest place to live in Massachusetts, with median home prices around $245,000 and rent averaging $1,000/month. It's located in the Berkshires and offers scenic living, a vibrant arts scene, and affordable costs-making it a smart choice for first-time buyers or remote workers.
2. What are the most affordable cities to rent in Massachusetts?
Some of the cheapest cities to rent in Massachusetts include Pittsfield (~$1,000/month), Holyoke (~$1,200/month), and Chicopee (~$1,300/month). These cities offer access to jobs, public transit, and amenities-without the high rents seen in Boston or Cambridge.
3. Where is the lowest cost of living in Massachusetts in 2025?
The cities with the lowest cost of living in Massachusetts are North Adams, Springfield, and Chicopee. These towns offer affordable housing, lower utility and grocery costs, and cheaper transportation compared to the state average. For example, Springfield’s median home price is ~$300,000 with rent under $1,200/month.
4. What are the safest and most affordable places to live in Massachusetts for families?
Chicopee, Gardner, and Fitchburg are among the safest and most affordable towns for families. These communities offer lower crime rates, strong public schools, and homes priced under the state median. Rent ranges from $1,200 to $1,500/month, making them ideal for family relocation.
5. What towns in Massachusetts offer affordable homes under $300K?
Towns like Pittsfield (~$297K), Holyoke (~$309K), and North Adams (~$245K) offer some of the most affordable housing in Massachusetts. These towns provide a mix of culture, job opportunities, and livability-ideal for buyers looking to escape the high costs of Boston suburbs.
Bottom Line: Ready to Move to Massachusetts-But Smarter?
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Because moving to Massachusetts shouldn’t just be affordable. It should feel empowering.
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If you're also trying to stretch your budget without compromising on safety, don’t miss our guide to the safest places to live in Massachusetts -because peace of mind shouldn’t come at a premium.
And if you're still weighing your options, wondering whether to rent or buy, you're not the only one asking that question right now. Our Rent vs. Buy comparison breaks down the pros, cons, and long-term trade-offs-so you can move forward with clarity, confidence, and a plan that fits your life.
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As a great communicator with excellent negotiation skills, I focus more on establishing unbreakable ties between my clients, as opposed to just helping them achieve their real estate dreams. As a representative of both buyers and sellers, I understand how to lead a transaction process to ensure that the needs of both are met. My track record speaks for itself. Since I ventured into the industry in 2013 as a realtor, I have not only helped many buyers land perfect homes, but I have also assisted tons of owners and investors build wealth.