Cost of Living in Shirley, MA

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C-
16%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
25%
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 Shirley Massachusetts National
Cost of living116131100
Groceries109109100
Health care114116100
Housing125169100
Transportation115115100
Utilities112117100
Lifestyle & Entertainment111115100
Household Items106109100
Education & Childcare124127100
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Homes For Sale In Shirley, MA

property for sale

28 Chapel St

Shirley, MA
property for sale

30 Chapel St

Shirley, MA
property for sale

4 Davis St

Shirley, MA

Cost Of Living Quick Facts

  • The cost of living in Shirley is 11% lower than the Massachusetts average
  • The cost of living in Shirley is 16% higher than the national average
  • Shirley housing is 25% 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 Shirley

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Compare Shirley, MA Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$120,405$10,034$2,809$3,613
      Renters$67,030$5,586$1,564$2,011

      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.
      Fitchburg, MA41,91311111.4%
      Townsend, MA1,31111414.3%
      South Ashburnham, MA90411615.7%
      Leominster, MA42,48011818.0%
      Clinton, MA7,22211919.0%
      Shirley, MA1,75811616.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Malvern, AL1,7588415.8%
      Lake Sherwood, CA1,758351251.2%
      Harlan, IN1,758918.8%
      West Unity, OH1,7588415.8%
      McAlmont, AR1,7598910.5%
      Shirley, MA1,75811616.3%
      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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