Cost of Living in Northborough, MA

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F
40%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
102%
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 Northborough Massachusetts National
Cost of living140131100
Groceries109109100
Health care115116100
Housing202169100
Transportation116115100
Utilities115117100
Lifestyle & Entertainment116115100
Household Items107109100
Education & Childcare121127100
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Homes For Sale In Northborough, MA

property for sale

29 Lydia's Way #29

Northborough, MA
property for sale

96 Ridge Rd

Northborough, MA
property for sale

1 Codman Way #312

Westborough, MA
property for sale

43 Carriage Hill Rd

Northborough, MA

Cost Of Living Quick Facts

  • The cost of living in Northborough is 7% higher than the Massachusetts average
  • The cost of living in Northborough is 40% higher than the national average
  • Northborough housing is 102% 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 Northborough

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$230,848$19,237$5,386$6,926
      Renters$83,227$6,936$1,942$2,497
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Northborough, MA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Northborough, homeowners have a median income of $230,848. Using that number, a maximum of $5,386 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $83,227, which means there is a maximum of $1,942 to be spent on the costs of renting a home or apartment.

      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.
      Oxford, MA6,05311817.7%
      Worcester, MA189,03512020.3%
      Leominster, MA42,48011818.0%
      Clinton, MA7,22211919.0%
      South Lancaster, MA1,62811919.1%
      Northborough, MA6,69714040.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      South Hill, NY6,69911414.2%
      Thermalito, CA6,69411111.4%
      Bridgeport, TX6,694955.3%
      Carthage, TX6,700909.7%
      Lincroft, NJ6,69215049.9%
      Northborough, MA6,69714040.1%
      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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