Ware 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.
IndexWareMassachusettsNational
Cost of living index112130100
IndexWareMassachusettsNational
Goods & Services index121111100
Groceries index128113100
Health care index119111100
Housing index91167100
Transportation index109117100
Utilities index128126100
The above illustration supplies generalized information for the Ware, MA cost of living index. Compared to other cities in Massachusetts and cities across the country, the cost of living index in Ware, MA is 112, which is 14% lower than the Massachusetts average and 12% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Ware, MA are 9% higher than the average for Massachusetts and 21% higher than the rest of the country.

Did you know?

  • The cost of living in Ware is 14% lower than the Massachusetts average.
  • The cost of living in Ware is 12% higher than the national average.
  • The cost of housing in Ware is 9% lower 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 used in order to provide a comparison of your current salary in Ware, MA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Ware, MA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Ware, MA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$55,487$4,624$1,295$1,665
Renters$26,332$2,194$614$790
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Ware, MA, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Ware, MA homeowners have a median income of $55,487. Using that number, you will come up with a maximum of $1,295 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $26,332, which means there is a maximum of $614 to be spent on the costs of renting a home or apartment.

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%
The Massachusetts sales tax and Massachusetts income tax rates should definitely be considered when determining the overall cost of living in Ware, MA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Massachusetts sales tax is 6.25% and the maximum surtax is 6.25%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Massachusetts income tax rates range from 5.15% to 5.15%.

Goods & Services

ItemWareNational avg.Difference
Haircut $17.50$14.5919.9%
Beauty Salon $47.06$34.6835.7%
Toothpaste $3.22$2.4730.2%
Shampoo $1.17$1.0214.5%
Movie $10.07$9.872.0%
Bowling $7.17$4.3963.3%

Groceries

ItemWareNational avg.Difference
Ground Beef $6.34$4.4841.6%
Fried Chicken $1.90$1.4629.8%
Milk $2.56$2.368.6%
Potatoes $4.51$3.0647.3%
Pizza $10.11$9.249.4%
Beer $10.03$8.6316.2%

Health Care

ItemWareNational avg.Difference
Optometrist $116.73$99.7817.0%
Doctor $123.77$105.0317.8%
Dentist $122.94$88.7038.6%
Ibuprofen $11.38$9.4120.9%
Lipitor $267.92$298.5010.2%

Housing

ItemWareNational avg.Difference
Home Price $165,100.00$175,700.006.0%
Avg. Mortgage Payment $1,493.00$1,081.0338.1%
Apartment Rent $775.00$920.0015.8%

Transportation

ItemWareNational avg.Difference
Gasoline $2.44$2.0916.6%
Tire Balancing $39.98$45.2911.7%

Utilities

ItemWareNational avg.Difference
All Electricity$265.73$170.8055.6%
Phone $24.95$28.2611.7%
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.
Warren, MA1,45611414%
North Brookfield, MA2,07911313%
Palmer Town, MA12,15511515%
Barre, MA91011111%
Southbridge Town, MA16,77511515%
Ware, MA5,81611212%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Chesapeake Beach, MD5,81612929%
East Falmouth, MA5,81814040%
Snyderville, UT5,81415353%
Sheridan, CO5,81997-3%
Moores Mill, AL5,8191011%
Ware, MA5,81611212%
Source: The Ware, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.