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Springfield, MA

Cost of living in Springfield, Massachusetts

Hampden County, MA

Part of the Springfield Metro Area

Estimated monthly cost
$3,085/mo
for a single person, all categories combined

Population 462,853 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $837 27%
Federal tax $574 19%
Healthcare $480 16%
Groceries $385 12%
Transport $320 10%
Energy $246 8%
State tax $188 6%
Water $55 2%

Rent in Springfield

Fair Market Rents by bedroom count.

Studio
$811
per month
1 bedroom
$837
per month
2 bedroom
$1,199
per month
3 bedroom
$1,346
per month
4 bedroom
$1,340
per month

Source: ACS 2019-2023 5-Year

Income and earnings in Springfield

Annual earnings figures from the Census ACS.

Household income
$70,535
per year
Individual earnings
$45,152
per year
Per capita
$37,810
per year

Source: ACS 2019-2023 5-Year.

Home values in Springfield

Average values reported by homeowners.

Average home value
$276,300
Annual property tax
$4,332

Source: ACS 2019-2023 5-Year

Energy costs in Springfield

Estimated monthly electricity and gas costs.

Electricity
$172
per month · 28.6¢/kWh
Natural gas
$74
per month
Annual total
$2,952
per year

Source: EIA

Healthcare in Springfield

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Springfield

State and local tax rates for Massachusetts.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
6.3%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Springfield

Commute patterns and estimated costs.

Average commute
22.9 min
Drive alone
77.8%
Public transit
1.8%
Work from home
9.4%

Source: ACS

Monthly cost estimates for Springfield

What it costs to live in Springfield each month.

Single person
$3,085
per month
  • Rent $837
  • Energy $246
  • Water $55
  • Groceries $385
  • Transport $320
  • Healthcare $480
  • Federal tax $574
  • State tax $188
Couple
$4,599
per month
  • Rent $1,199
  • Energy $295
  • Water $65
  • Groceries $638
  • Transport $420
  • Healthcare $864
  • Federal tax $824
  • State tax $294
Family
$6,946
per month
  • Rent $1,346
  • Energy $369
  • Water $75
  • Groceries $968
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $824
  • State tax $294

Frequently asked questions about Springfield

Common questions about cost of living, rent and salary.

What is the average rent in Springfield?

In Springfield, Massachusetts, a one-bedroom apartment averages $837 per month, a two-bedroom averages $1,199 per month, a three-bedroom averages $1,346 per month, according to HUD Fair Market Rent data.

What is the average salary in Springfield?

In Springfield, Massachusetts, the average household income is $70,535 per year and individual earnings for full-time workers average $45,152 per year, according to U.S. Census Bureau data.

What is the cost of living in Springfield?

The estimated cost of living in Springfield, Massachusetts is approximately $3,085 per month for a single person, $4,599 for a couple, $6,946 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Springfield?

The combined sales tax rate in Springfield, Massachusetts is 6.25%, which includes the Massachusetts state rate of 6.25% plus an average local rate of 0.00%.

Is Springfield an affordable place to live?

Based on the data, a single person in Springfield, Massachusetts would need approximately $3,085 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $70,535 per year ($5,878 per month). Springfield has a moderate cost of living relative to local earnings.

How much does healthcare cost in Springfield?

The ACA marketplace benchmark premium in Springfield, Massachusetts is approximately $480 per month for an individual. Approximately 3.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Springfield?

The average home value in Springfield, Massachusetts is $276,300, with average annual property taxes of $4,332, according to U.S. Census Bureau data.

How does Springfield compare to other areas?

You can compare Springfield, Massachusetts with any other US county using our comparison tool at /compare. Springfield is in the Springfield, MA metro area.

Other counties in Massachusetts

Browse the full list of counties in Massachusetts, ranked by cost of living.

See all counties in Massachusetts

Compare Springfield with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources