Westfield 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.
IndexWestfieldMassachusettsNational
Cost of living index120130100
IndexWestfieldMassachusettsNational
Goods & Services index121111100
Groceries index128113100
Health care index119111100
Housing index116167100
Transportation index109117100
Utilities index128126100
A general overview of the cost of living index for Westfield, MA is displayed above. In Westfield, MA, the overall cost of living index is 120, which is 8% lower than the Massachusetts average and 20% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Westfield, MA, the city's goods and services are 9% higher than the Massachusetts average and 21% higher than the U.S. average.

Did you know?

  • The cost of living in Westfield is 8% lower than the Massachusetts average.
  • The cost of living in Westfield is 20% higher than the national average.
  • The cost of housing in Westfield is 16% 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 Westfield, MA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Westfield, MA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Westfield, MA, then you would need to earn more income in order to maintain the same standard of living. To use the Westfield, MA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$82,181$6,848$1,917$2,466
Renters$29,954$2,496$699$899
If you want to find a good determining factor for the cost of living and the general affordability of housing in Westfield, 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 Westfield, MA, the median monthly income is $82,181 for those who own their own homes. Under the standard rule, that income level would allow for $1,917 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $29,954, per the median income in the area. That would allow for renters to spend up to $699 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 assessing the complete cost of living in Westfield, MA, the Massachusetts income tax and the Massachusetts sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Massachusetts maximum surtax is 6.25%, and the Massachusetts sales tax is 6.25%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 5.15% to 5.15% in Massachusetts.

Goods & Services

ItemWestfieldNational 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

ItemWestfieldNational 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

ItemWestfieldNational 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

ItemWestfieldNational avg.Difference
Home Price $221,800.00$175,700.0026.2%
Avg. Mortgage Payment $1,493.00$1,081.0338.1%
Apartment Rent $848.00$920.007.8%

Transportation

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

Utilities

ItemWestfieldNational 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.
Springfield, MA153,83611010%
Chester, MA72799-1%
Huntington, MA785100-0%
Chicopee, MA55,60311414%
Holyoke, MA40,07911414%
Westfield, MA41,37112020%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rohnert Park, CA41,35213232%
Findlay, OH41,29791-9%
Oro Valley, AZ41,49311212%
Bartlett, IL41,52911818%
Kearny, NJ41,53812626%
Westfield, MA41,37112020%
Source: The Westfield, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.