Framingham 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.
Cost of living index138131100
Goods & Services index129122100
Groceries index111109100
Health care index120121100
Housing index176165100
Transportation index114107100
Utilities index120114100
A general overview of the cost of living index for Framingham, MA is displayed above. In Framingham, MA, the overall cost of living index is 138, which is 5% higher than the Massachusetts average and 38% 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 Framingham, MA, the city's goods and services are 6% higher than the Massachusetts average and 29% higher than the U.S. average.
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Did you know?

  • The cost of living in Framingham is 5% higher than the Massachusetts average.
  • The cost of living in Framingham is 38% higher than the national average.
  • The cost of housing in Framingham is 76% higher than the national average.
  • Massachusetts general sales tax is 23% higher than the national average.
  • Massachusetts state income tax is 129% higher than the national average.

Compare Framingham, MA Cost of living To Other Cities

Salary Calculator

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Health care index
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Using the salary calculator lets you compare the salary you earn in Framingham, MA to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Framingham, MA, you have to earn a higher income in order to still have the same standard of living. To operate the Framingham, MA salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in Framingham, MA by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Framingham, MA have a median income of $107,153. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,500 per month to avoid calamity and poverty. The renters in the city have an income of about $37,944, which would make their monthly maximum allowable rental costs $885.

Massachusetts Sales Tax

StateGeneral Sales TaxWith Max Surtax

Massachusetts Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Framingham, MA and want to know what the true cost of living is, they ought to look at both the Massachusetts income tax rate and the Massachusetts sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Massachusetts, the sales tax is 6.25%, while the most you'll pay in surtax is 6.25%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Massachusetts, the income tax rate ranges between 5.1% to 5.1%.

Goods & Services

ItemFraminghamNational avg.Difference
Haircut $16.68$17.494.6%
Beauty Salon $50.37$38.1732.0%
Toothpaste $2.75$2.3218.6%
Shampoo $1.02$1.010.4%
Movie $12.55$10.7217.0%
Bowling $5.61$13.8659.5%


ItemFraminghamNational avg.Difference
Ground Beef $3.34$3.9014.4%
Fried Chicken $1.71$1.4022.3%
Milk $2.49$1.9627.1%
Potatoes $3.30$3.183.7%
Pizza $11.30$10.398.8%
Beer $9.60$9.234.1%

Health Care

ItemFraminghamNational avg.Difference
Optometrist $136.98$106.3428.8%
Doctor $151.91$115.2531.8%
Dentist $110.63$98.3812.4%
Ibuprofen $9.27$9.260.1%
Lipitor $409.74$466.4712.2%


ItemFraminghamNational avg.Difference
Home Price $360,400.00$184,700.0095.1%
Avg. Mortgage Payment $2,350.45$1,273.3284.6%
Apartment Rent $1,231.00$949.0029.7%


ItemFraminghamNational avg.Difference
Gasoline $2.42$2.596.5%
Tire Balancing $59.24$48.9021.2%


ItemFraminghamNational avg.Difference
All Electricity$217.29$167.6029.6%
Phone $31.08$163.4281.0%
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.
Clinton, MA7,23211616%
Whitinsville, MA6,83112424%
South Lancaster, MA1,76411919%
Milford, MA25,70112626%
Bellingham, MA5,37612727%
Framingham, MA70,74313838%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Ellicott City, MD70,78014747%
Franklin, TN70,62511717%
Passaic, NJ70,53612323%
Lauderhill, FL70,45293-7%
Redlands, CA70,44212626%
Framingham, MA70,74313838%
Source: The Framingham, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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