Cost of Living in Adams, MA

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4%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
16%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Adams Massachusetts National
Cost of living104131100
Groceries108109100
Health care115116100
Housing84169100
Transportation114115100
Utilities112117100
Lifestyle & Entertainment110115100
Household Items109109100
Education & Childcare122127100
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Homes For Sale In Adams, MA

property for sale

34 Upton St

Adams, MA
property for sale

16 Anthony St

Adams, MA
property for sale

16 Albert St

Adams, MA
property for sale

8 Cherry St

Adams, MA

Cost Of Living Quick Facts

  • The cost of living in Adams is 21% lower than the Massachusetts average
  • The cost of living in Adams is 4% higher than the national average
  • Adams housing is 16% lower than the national average
  • Massachusetts general sales tax is 22% higher than the national average
  • Massachusetts state income tax is 93% higher than the national average

Most Affordable Places to Live in and Around Adams

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      Salary Calculator

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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$101,694$8,475$2,373$3,051
      Renters$37,580$3,132$877$1,128
      A good way to judge both the affordability of the housing and the cost of living in Adams is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Adams has a median income of about $101,694 for people who own homes. Based on that number, a maximum of $2,373 should be spent on expenses related to housing. Renters have a slightly different median income, which is $37,580. Based on this average, renters should spend no more than $877 on all rental costs if they want to maintain a non-impoverished standard of living.

      Massachusetts Sales Tax

      State General Sales Tax With Max Surtax
      Massachusetts 6.25% 6.25%

      Massachusetts Income Tax

      State Income Tax (Low) Income Tax (High)
      Massachusetts 5% 9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cheshire, MA705954.5%
      Readsboro, VT317991.2%
      North Adams, MA13,2321043.7%
      Pittsfield, MA44,1431077.4%
      Williamstown, MA4,70113231.7%
      Adams, MA5,8581043.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Eaton, CO5,85812221.6%
      South Tucson, AZ5,857919.3%
      Webster, NY5,8561055.5%
      West Side Highway, WA5,8601055.1%
      Harvest, AL5,861981.7%
      Adams, MA5,8581043.8%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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