Cost Of Living in Chatham, MA

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F

108%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

330%

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	Chatham	Massachusetts	National
Cost of living	208	131	100
Groceries	105	109	100
Health care	113	116	100
Housing	430	169	100
Transportation	115	115	100
Utilities	115	117	100
Lifestyle & Entertainment	116	115	100
Household Items	106	109	100
Education & Childcare	119	127	100

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Homes For Sale In Chatham, MA

30 Indian Trl

Chatham, MA

336 Stage Island Rd

Chatham, MA

260 Tanglewood Dr

South Chatham, MA

96 Stage Coach Dr

South Chatham, MA

Cost Of Living Quick Facts

The cost of living in Chatham is 59% higher than the Massachusetts average
The cost of living in Chatham is 108% higher than the national average
Chatham housing is 330% 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

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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	$138,866	$11,572	$3,240	$4,166
Renters	$52,418	$4,368	$1,223	$1,573

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.
West Yarmouth, MA	6,612	129	29.1%
Dennis Port, MA	3,647	130	29.5%
South Dennis, MA	2,982	130	29.6%
South Yarmouth, MA	10,841	133	32.5%
Brewster, MA	1,374	135	35.4%
Chatham, MA	1,606	208	107.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Red Corral, CA	1,606	137	37.1%
Ovid, MI	1,606	83	16.9%
Cannon Beach, OR	1,606	156	56.4%
Gordonsville, TN	1,606	94	5.8%
Random Lake, WI	1,606	96	3.6%
Chatham, MA	1,606	208	107.6%