Amherst Center cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexAmherst CenterMassachusettsNational
Cost of living index122130100
IndexAmherst CenterMassachusettsNational
Goods & Services index94111100
Groceries index119113100
Health care index98111100
Housing index167167100
Transportation index118117100
Utilities index96126100
Displayed above is a general overview of the Amherst Center, MA cost of living index. The overall cost of living index in Amherst Center, MA is 122, which is 6% lower than the Massachusetts average and 22% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Amherst Center, MA are 15% lower than the Massachusetts average and 6% lower than the national average.

Did you know?

  • The cost of living in Amherst Center is 6% lower than the Massachusetts average.
  • The cost of living in Amherst Center is 22% higher than the national average.
  • The cost of housing in Amherst Center is 67% higher than the national average.
  • Massachusetts general sales tax is 23% higher than the national average.
  • Massachusetts state income tax is 132% higher than the national average.

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Compare Amherst Center, MA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Amherst Center, MA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Amherst Center, MA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Amherst Center, MA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$86,438$7,203$2,017$2,593
Renters$24,452$2,038$571$734
If you want to find a good determining factor for the cost of living and the general affordability of housing in Amherst Center, MA, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Amherst Center, MA, the median monthly income is $86,438 for those who own their own homes. Under the standard rule, that income level would allow for $2,017 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $24,452, per the median income in the area. That would allow for renters to spend up to $571 on monthly rental expenses.

Massachusetts Sales Tax

StateGeneral Sales TaxWith Max Surtax
Massachusetts6.25%6.25%

Massachusetts Income Tax

StateIncome Tax (Low)Income Tax (High)
Massachusetts5.15%5.15%
When considering the overall cost of living expenses in Amherst Center, MA, it's important to take into account the sales tax for Massachusetts, as well as the rate for income tax in Massachusetts. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Massachusetts is 6.25%, and the sales tax in the state of Massachusetts is 6.25%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Massachusetts starts from 5.15% and goes up to 5.15%.

Goods & Services

ItemAmherst CenterNational avg.Difference
Haircut $13.60$14.596.8%
Beauty Salon $14.60$34.6857.9%
Toothpaste $1.99$2.4719.5%
Shampoo $0.99$1.023.1%
Movie $10.00$9.871.3%
Bowling $6.00$4.3936.6%

Groceries

ItemAmherst CenterNational avg.Difference
Ground Beef $4.07$4.489.1%
Fried Chicken $2.87$1.4696.0%
Milk $2.33$2.361.1%
Potatoes $3.99$3.0630.3%
Pizza $7.99$9.2413.6%
Beer $6.99$8.6319.0%

Health Care

ItemAmherst CenterNational avg.Difference
Optometrist $142.50$99.7842.8%
Doctor $99.20$105.035.6%
Dentist $95.00$88.707.1%
Ibuprofen $9.49$9.410.8%
Lipitor $231.30$298.5022.5%

Housing

ItemAmherst CenterNational avg.Difference
Home Price $332,600.00$175,700.0089.3%
Avg. Mortgage Payment $1,515.12$1,081.0340.2%
Apartment Rent $1,068.00$920.0016.1%

Transportation

ItemAmherst CenterNational avg.Difference
Gasoline $2.33$2.0911.2%
Tire Balancing $61.98$45.2936.9%

Utilities

ItemAmherst CenterNational avg.Difference
All Electricity$160.96$170.805.8%
Phone $27.50$28.262.7%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Deerfield, MA81899-1%
Ware, MA5,81611212%
Holyoke, MA40,07911414%
Palmer Town, MA12,15511515%
Millers Falls, MA8551033%
Amherst Center, MA19,54312222%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Warrensburg, MO19,54893-7%
Evans, CO19,53597-3%
Schofield Barracks, HI19,52516767%
Weirton, WV19,52388-12%
Lynbrook, NY19,51716262%
Amherst Center, MA19,54312222%
Source: The Amherst Center, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.