Side-by-side cost of living comparison for 2026
43% cheaper
Springfield is 43% more affordable than New York City. A $75,000 salary in New York City is equivalent to $42,914 in Springfield.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: New York salaries · Massachusetts salaries
Housing is typically the biggest factor in any cost-of-living comparison. New York City has a housing index of 302 while Springfield sits at 106 (national average = 100). The median home in New York City costs $680,000 compared to $230,000 in Springfield, a difference of $450,000. Monthly rent follows a similar pattern: $3,200 in New York City versus $1,200 in Springfield.
Groceries and everyday expenses show a notable difference: New York City scores 109 while Springfield scores 104.
Healthcare costs in New York City (108) are lower than Springfield (114).
Median household income in New York City is $67,046 compared to $41,612 in Springfield. When adjusted for cost of living, income goes further in Springfield.
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