Oxford 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.
Cost of living index117130100
Goods & Services index123111100
Groceries index111113100
Health care index117111100
Housing index113167100
Transportation index111117100
Utilities index126126100
Here we can see a simple outline of the cost of living in Oxford, MA. As you can see, with the average cost of living in Oxford, MA being 117, that puts it 10% lower than the average of Massachusetts and 17% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Oxford, MA, the price of goods and services are 11% higher than the average of Massachusetts as well as 23% higher than the nation's average.

Did you know?

  • The cost of living in Oxford is 10% lower than the Massachusetts average.
  • The cost of living in Oxford is 17% higher than the national average.
  • The cost of housing in Oxford is 13% 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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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in Oxford, MA to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Oxford, MA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Oxford, MA salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Oxford, MA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Oxford, MA homeowners, is $84,091. This would allow for a maximum of $1,962 per month to be spent on housing costs. For renters, the median monthly income is $28,425 which would result in a maximum of $663 to be spent on rental costs.

Massachusetts Sales Tax

StateGeneral Sales TaxWith Max Surtax

Massachusetts Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Oxford, 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

ItemOxfordNational avg.Difference
Haircut $15.00$14.592.8%
Beauty Salon $40.00$34.6815.3%
Toothpaste $2.50$2.471.1%
Shampoo $1.25$1.0222.3%
Movie $11.75$9.8719.1%
Bowling $4.75$4.398.2%


ItemOxfordNational avg.Difference
Ground Beef $4.49$4.480.3%
Fried Chicken $1.59$1.468.6%
Milk $3.39$2.3643.8%
Potatoes $3.99$3.0630.3%
Pizza $8.50$9.248.0%
Beer $8.32$8.633.6%

Health Care

ItemOxfordNational avg.Difference
Optometrist $125.00$99.7825.3%
Doctor $149.00$105.0341.9%
Dentist $98.00$88.7010.5%
Ibuprofen $10.25$9.418.9%
Lipitor $293.99$298.501.5%


ItemOxfordNational avg.Difference
Home Price $219,400.00$175,700.0024.9%
Avg. Mortgage Payment $1,392.30$1,081.0328.8%
Apartment Rent $788.00$920.0014.3%


ItemOxfordNational avg.Difference
Gasoline $2.33$2.0911.4%
Tire Balancing $49.00$45.298.2%


ItemOxfordNational avg.Difference
All Electricity$213.54$170.8025.0%
Phone $36.19$28.2628.1%
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.
Quinebaug, CT97411111%
Putnam, CT7,24911212%
North Brookfield, MA2,07911313%
North Grosvenor Dale, CT1,61411414%
Webster, MA12,13511515%
Oxford, MA6,52511717%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Old Greenwich, CT6,520224124%
Cottage Grove, WI6,53311212%
Seneca Falls, NY6,53390-10%
Fair Oaks Ranch, TX6,53412525%
Blakely, PA6,53495-5%
Oxford, MA6,52511717%
Source: The Oxford, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.