Cost of Living in Andover, MA

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F
60%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
159%
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 Andover Massachusetts National
Cost of living160131100
Groceries109109100
Health care119116100
Housing259169100
Transportation117115100
Utilities122117100
Lifestyle & Entertainment117115100
Household Items112109100
Education & Childcare133127100
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Homes For Sale In Andover, MA

property for sale

57 Juniper Rd

Andover, MA
property for sale

99 Sunset Rock Rd

Andover, MA
property for sale

25 Stirling St

Andover, MA
property for sale

14 Geneva Rd

Andover, MA

Cost Of Living Quick Facts

  • The cost of living in Andover is 22% higher than the Massachusetts average
  • The cost of living in Andover is 60% higher than the national average
  • Andover housing is 159% higher 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 Andover

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      Salary Calculator

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      Price difference in compared to
      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$236,879$19,740$5,527$7,107
      Renters$64,583$5,382$1,507$1,938
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Andover, 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 Andover homeowners, is $236,879. This would allow for a maximum of $5,527 per month to be spent on housing costs. For renters, the median monthly income is $64,583 which would result in a maximum of $1,507 to be spent on rental costs.

      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.
      Hudson, NH7,38611111.2%
      Lawrence, MA82,02512525.4%
      Lowell, MA114,17012625.9%
      Haverhill, MA65,50012828.3%
      Amesbury Town, MA17,91613130.9%
      Andover, MA9,11716059.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sheffield, AL9,1168514.8%
      Franklin, KY9,1148911.0%
      New Glasgow, NS9,114n/a 
      Covington, TN9,1138811.8%
      Savoy, IL9,1101055.0%
      Andover, MA9,11716059.9%
      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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