Cost Of Living in Ware, MA

B

4%

Overall NAT. AVG.

8%

Goods & Services NAT. AVG.

3%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Ware	Massachusetts	National
Cost of living	104	133	100
Goods & Services	108	122	100
Groceries	101	105	100
Health care	103	113	100
Housing	97	165	100
Transportation	96	118	100
Utilities	127	134	100

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Cost Of Living Quick Facts

The cost of living in Ware is 22% lower than the Massachusetts average
The cost of living in Ware is 4% higher than the national average
Ware housing is 3% lower than the national average
Massachusetts general sales tax is 22% higher than the national average
Massachusetts state income tax is 122% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$69,614	$5,801	$1,624	$2,089
Renters	$25,610	$2,134	$598	$768

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ware, 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 Ware, homeowners have a median income of $69,614. Using that number, a maximum of $1,624 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $25,610, which means there is a maximum of $598 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%	5%

Goods & Services

Item	Ware	National avg.	Difference
Haircut	$33.78	$24.26	39.2%
Beauty Salon	$58.55	$45.56	28.5%
Toothpaste	$3.65	$3.70	1.5%
Shampoo	$1.42	$1.28	10.9%
Movie	$12.85	$12.13	5.9%
Bowling	$18.33	$18.00	1.9%

Groceries

Item	Ware	National avg.	Difference
Ground Beef	$6.23	$5.84	6.7%
Fried Chicken	$1.46	$1.57	7.4%
Milk	$4.73	$4.67	1.2%
Potatoes	$4.96	$4.93	0.6%
Pizza	$10.79	$12.09	10.7%
Beer	$10.49	$10.41	0.8%

Health Care

Item	Ware	National avg.	Difference
Optometrist	$166.22	$125.68	32.3%
Doctor	$182.50	$135.78	34.4%
Dentist	$127.00	$113.29	12.1%
Ibuprofen	$10.89	$10.65	2.2%
Lipitor	$384.88	$468.60	17.9%

Housing

Item	Ware	National avg.	Difference
Home Price	$183,800.00	$184,700.00	0.5%
Avg. Mortgage Payment	$2,110.08	$2,346.69	10.1%
Apartment Rent	$861.00	$949.00	9.3%

Transportation

Item	Ware	National avg.	Difference
Gasoline	$3.34	$3.46	3.4%
Tire Balancing	$71.63	$59.92	19.5%

Utilities

Item	Ware	National avg.	Difference
All Electricity	$302.09	$193.99	55.7%
Phone	$185.16	$192.25	3.7%

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	Population	Cost of Living Index	National Avg.
Warren, MA	546	96	4.2%
North Brookfield, MA	2,423	108	7.8%
Palmer Town, MA	12,236	107	6.7%
Monson Center, MA	1,688	108	7.5%
Southbridge Town, MA	16,865	109	9.2%
Ware, MA	5,978	104	4.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Gilbertsville, PA	5,979	114	13.9%
Enola, PA	5,980	98	2.2%
Salton City, CA	5,975	105	5.4%
Minot AFB, ND	5,974	117	16.6%
Harris Hill, NY	5,982	109	9.4%
Ware, MA	5,978	104	4.1%