| Index | Agawam Town | Massachusetts | National |
| Cost of living | 120 | 131 | 100 |
| Groceries | 113 | 109 | 100 |
| Health care | 120 | 116 | 100 |
| Housing | 125 | 169 | 100 |
| Transportation | 115 | 115 | 100 |
| Utilities | 119 | 117 | 100 |
| Lifestyle & Entertainment | 120 | 115 | 100 |
| Household Items | 112 | 109 | 100 |
| Education & Childcare | 131 | 127 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Agawam Town? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Agawam Town stands at 120, making it 20% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
Housing costs are a very significant part of the Agawam Town cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 25.3% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
The routine items you regularly buy for your home, such as cleaning supplies, personal care products, clothing basics, and kitchen essentials, make up 8% of the cost of living index. In Agawam Town, these items cost 11.6% more than the national average, making day-to-day living a bit more expensive.
The relentless increase in grocery prices is a noteworthy trend. In the last two years, grocery costs have experienced an upward trajectory of over 10%. Unfortunately, Agawam Town is no exception, where grocery prices are 12.8% above the national average.
Wondering if Agawam Town is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Agawam Town, for example, the median home price is 29.3% higher than what folks pay nationally, and monthly rent is 16% higher than the usual rates. Plus, income levels matter too, with Agawam Town boasting a median household income of $109,308, which is 34.4% higher than the national average.
Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.
Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Agawam Town, the transportation index is 14.5% higher than the national average.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
The Agawam Town cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
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| Groceries index | |
| Health care index | |
| Housing index | |
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| Utilities index | |
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| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $129,617 | $10,801 | $3,024 | $3,889 |
| Renters | $60,326 | $5,027 | $1,408 | $1,810 |
| State | General Sales Tax | With Max Surtax |
| Massachusetts | 6.25% | 6.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Massachusetts | 5% | 9% |
| City | Population | Cost of Living Index | National Avg. |
| Springfield, MA | 156,858 | 110 | 10.1% |
| Rockville, CT | 7,323 | 103 | 3.1% |
| Huntington, MA | 698 | 109 | 9.4% |
| Chicopee, MA | 56,658 | 111 | 11.4% |
| Russell, MA | 678 | 111 | 10.8% |
| Agawam Town, MA | 29,397 | 120 | 19.9% |
| City | Population | Cost of Living Index | National Avg. |
| Monterey, CA | 29,410 | 192 | 92.0% |
| Northampton, MA | 29,383 | 129 | 28.6% |
| Vero Beach South, FL | 29,379 | 109 | 8.7% |
| Casselberry, FL | 29,344 | 105 | 5.3% |
| Burbank, IL | 29,451 | 105 | 4.7% |
| Agawam Town, MA | 29,397 | 120 | 19.9% |
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